Assets Protection
How to multiply your money?
Among the many different ways of increasing capital assets, investing is a classic and probably the most widespread way of building wealth.
As far as wealth growth is concerned, the question of goal setting remains one of the first steps in a very individual process. However, at least as important is the choice of investments!
Success depends on the right mix of investments. And this should be such that you can achieve decent returns but still sleep well.
We have put together a few tips for you:
1.Set your goal
2. determine your financial situation
3. make sure you keep a reserve
4. find out what type of investor you are
5. understand your investments
6. take responsibility
7. invest no more than 10% of your income or 30% of your savings
8. don't put all your eggs in one basket
9. develop a long-term strategy
10. expect losses
11. do not forget! High return means high risk of loss
12 Finally: Get started!
Now you have already completed your homework and are asking yourself: Where and how can I best invest my money?
That depends entirely on you. Should it be a classic low-risk investment or do you want to achieve higher returns?
Which form of investment makes sense?
We have put together a selection of the various investment options with their advantages and disadvantages to help you answer this question.
- Savings book, fixed-term deposit and call money account. Very low interest rates, little to no risk.
- Real estate. Very low interest rates, little flexibility, little to no risk.
- Building savings contract, life insurance. In face of the past and market developments, it is not recommended as an investment.
- Crowdinvesting. High returns possible. Involves a certain amount of risk. Long-term investment.
- Bonds. Usually associated with low returns, but there are good offers with lower risk.
- Cooperative shares. Are for security-oriented investors. Slightly higher interest rates than overnight money or fixed-term deposits.
- Precious metals and gemstones. Actually used as a hedge. No returns.
- Funds and ETFs. Reduced risk on the stock market. Suitable for small investors and beginners.
- Derivatives and certificates. Very speculative, therefore high risk. High profits possible. For experienced investors with specialist knowledge.
- Company participation. Moderate risk. Good interest rate. Suitable for beginners.
- Shares. Very risky investment opportunity. High profits possible.
- Foreign currency - good interest rate. High risk, as exchange rate losses are possible.
- Bitcoins. High profits possible in a short time, but with high risk due to high volatility
Trading. Moves between investment and speculation Chance of very high profit but associated with very high risk of loss.
Our favorites:
We have looked into the subject in detail to determine our "top 3 options" for increasing money in the short and medium term
Trading
Anyone looking to build up their wealth quickly cannot ignore this option. This type of money multiplication is intended more for investors who like action. Of course, the associated risk should not be underestimated. However, if you stick to certain rules, you can achieve returns of 10 to 15% per month with a calculable risk of less than 10%. For those who are interested in this topic, we have prepared further explosive information that can support a long-term investment. Become a successful trader.
Gold Investiment
In cooperation with leading partners in the Principality of Liechtenstein, NCC has developed solution concepts that provide an optimal protective shield for assets and property against loss of value as well as against any access.
Real estate - crowd investing (medium-term)
Real estate is still considered a safe investment, a classic way to achieve wealth growth. However, those who prefer this option should pay particular attention to the location, as price trends, potential returns and current risks vary enormously depending on the location.
You can also invest your money in real estate funds. The advantage of this form of investment is a high level of security - open-ended real estate funds have on average +2.8% yield p.a. in 2018 it was even +3,3%, +3,3% , in 2019 on average +3.1%. +3,1%.
Of course, you can't talk about "faster" money multiplication opportunities. Although 3.00% p.a. is a decent return, many people are not satisfied. Here, an investment in various real estate projects in the form of crowdfunding can be more interesting.
Crownd Investing
Crowd investing is a form of crowdfunding in which the crowd participates financially in the success of the company (or project). The return aspect therefore plays an important role in this type of crowdfunding. Each provider has several projects in which you can participate. participate can. Depending on the investment volume, term and risk appetite, different crowd investments may be suitable for you.
Here is a Here is a direct investment in projects to understand. The biggest advantage of real estate crowdinvesting is the access for private investors to interesting construction projects, projects and start-ups. These can include raw materials companies or technology, real estate or healthcare companies - investment fields to which access is otherwise rare. Further advantages are the low minimum investment amount and the relatively short term.
Capital paid into real estate crowdinvesting can be returned after a manageable period with interest of up to 8% per year.
Crowd investing projects can generate a comparatively high return and yield, which can be well over 10% per year, but the risk of loss is higher than with traditional investments. A total loss of the investment, e.g. due to bankruptcy of the crowdinvesting, should not be underestimated. In addition, the crowd investor has no influence on business decisions and it is not possible to get back paid-in capital from the current investment through early termination.
We will soon be mentioning some interesting crowdinvesting projects here.
Investment in a company (medium to long term)
Direct investment , funds and funds of funds
"Private equity", i.e. the investment in private unlisted companies, is an important and suitable building block for the wealth growth of private investors. Usually, institutional investors and wealthy private individuals are the main beneficiaries. A minimum investment of € 100,000 is not uncommon.
But hey, if you want to invest your hard-earned money profitably outside the banks, you should take a look around and get to grips with the topic. German investors are increasingly taking a liking to investments outside the traditional instruments. Have you ever considered a direct investment in a company?
Direct investment in the form of a silent partnership
Equity investments have only recently become available again in Germany, after legislation initially only permitted loans for small investors, often in the form of mezzanine capital.
This means, that the silent partner makes a contribution to the assets of a company, but without acquiring shares in it. Silent partners do not want to participate in decisions or management, but do want to participate in the economic success.
The terms of the "loans" vary depending on the sector and offer. For example, the investment term in the real estate sector is usually 3-5 years, while the term for start-ups is usually between 5-10 years.
The usual interest rate in recent years has been between 5 and 7% p.a., but there have also been companies that have distributed a 2-digit profit. The interest rate for silent partnerships is only so high because there is a clear risk - insolvency and therefore a total loss of the invested capital.
some projects offer attractive returns and are in the solid segment. Medium-sized companies, renewable energies, commodities or real estate tend to be less risky.
Folgende Tipps sind zu beachten:
- Individual opportunity and risk assessment for each project
- Selection of investment projects that match your personal risk preference
- Do not invest more than you can bear as a loss
- Only invest in reputable companies
- Risk diversification: rather several small investments
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