The conditions for private investors and savers simply do not want to improve. The interest rates available on the market are still low and there are no indications that this will change any time soon. More and more investors are frustrated and are therefore looking for alternative ways to invest.
Suddenly stocks are recommended again
For several weeks many journalists think that they have found a solution. It’s the talk of the stock market. For many years in the media was advised to keep away from stocks rather, because in particular German retail investors always make bad experiences. But now the editors seem to swing over, suddenly stocks are recommended again.
The time is considered questionable. The DAX has long since tested new records, in recent days it has exceeded the mark of 12,000 points several times. Interested investors should give this to think. The best time to buy stocks is a long time ago. A halt to the price firing is uncertain, it could also lead to significant corrections.
It depends on the individual case
There is no patent solution for the current situation. On the one hand, quite a few experts are right in saying that private investors need to open more to equity investments. However, this is a very general recommendation. Finally, it always depends on the individual case. In particular, it depends on when the capital must be available and whether losses in the meantime are considered tolerable.
Low interest rates are still better than losses
For example, if you’ve saved money to buy a car in a year or two, you’ll want a much higher level of safety than a person who wants to save their retirement in the next 30 years.
Many a saver is therefore still well advised to move primarily in the area of safe interest rate products (especially overnight deposits). Yields may not be attractive as they used to be, but depending on the situation, low interest rates are still better than losses.