The right strategy for investing

Tips on investing money

Good reasons for investing money

Put simply, the main aim of an investment is the greatest possible growth in value. Anyone who invests money wants it to generate income. Many savers are saving for retirement, for instance, or for further investments such as buying a house. But savers investing smaller sums have a goal too: it might be a dream trip, a new car, or simply the wish for a financial reserve for emergencies. The ways of reaching those goals are as varied as the goals savers pursue when investing.

You can invest money in various ways

The financial market offers a wide range of ways to invest money. With most financial products, customers earn interest, which can be either variable or fixed. A passbook account, with its low rate of under one per cent, usually does not protect the money against inflation. It does little to ensure that the money keeps its value, let alone grows. Profitable ways of investing money, by contrast, are fixed-term and instant access savings. Anyone investing in a fixed-term deposit gets a fixed rate for the whole term, but cannot get at the money during that time. Investing in instant access savings, on the other hand, combines a return just as good as a fixed-term deposit with a high degree of flexibility. The capital can be transferred to the reference account at any time, in full or in part. Funds and shares offer the chance of a particularly high gain in the form of dividends or sale proceeds, but they also carry the risk of a large loss of value that goes well beyond the current rate of inflation. That is why many people would rather invest their money safely.

Investing money sensibly - with the right strategy

How you invest your money depends on your personal needs. Are you not put off by the risk of shares? Even so, you should also make low-risk investments, so that you do not lose your entire wealth if the worst happens. Compare the terms of financial products on aspects such as return, flexibility and security, and decide how best to invest your money according to your needs. An instant access savings account should be part of it. DKB not only offers you an attractive interest rate, but also charges no fees for investing in instant access savings that could reduce your return. On top of that, your money is in good hands with us, as TÜV Saarland confirms: security comes first in our online banking. It is best to open your DKB instant access savings account today, where you can invest your money safely and profitably.