Archive 2019

What Is The Typical Debt / Equity Ratio Of Companies In The Chemical Sector?


The debt-to-equity ratio is equal to the ratio between total assets and total equity. It is a leverage ratio that measures how many suppliers and creditors have committed to a company versus the obligation of shareholders. Chemical companies occupy several sectors within the base materials sector, and the average debt / equity varies per chemical industry. As of May 2015, the average debt / equity for all US-based chemical companies is 0.67, and the average debt / equity for chemical companies with a large market capitalization is 0. 93.

A large chemical industry is a large number of diversified chemicals. The median debt / equity ratio between US member firms is 0.9, while the ratio between large-cap industry members is 1. 09. Some notable large diversified chemical producers are Air Products and Chemicals (NYSE: APD), Celanese (NYSE: CE), Dow Chemical (NYSE: DOW), LSB Industries (NYSE: LXU), Praxair (NYSE: PX) and Eastman Chemical (NYSE: EMN). Air Products and Chemicals has the lowest debt / equity ratio in this group at 0. 63, while Eastman has the highest at 2. 15.

Special chemicals is another important industry. The median debt / equity ratio between member firms is 0. 58, while large-cap member firms have an average debt / equity of 0. 62. Notable specialist chemical companies are Sigma Aldrich (NASDAQ: SIAL), Westlake Chemical ( NYSE: WLK), International Flavors and Fragrances (NYSE: IFF), PPG Industries (NYSE: PPG) and Sherwin-Williams (NYSE: SHW). Of this group, Sigma Aldrich has the lowest debt / equity at 0.14, and Sherwin-Williams has the highest at 5.39.


Agricultural chemicals is the last important chemical industry. The average debt / equity in this sector is 0. 38 for all US companies and 0. 96 for large caps. Major agrochemicals include Mosaic Co. (NYSE: MOS), DuPont (NYSE: DD), Monsanto (NYSE: MON) and CF Industries (NYSE: CF). Of this group, Mosaic has the lowest debt / equity ratio at 0. 36, while CF Industries is the highest at 1. 09.

Debts versus Deficit: Understanding the Differences



Debt. Shortage. The two most charged terms in all macro-finance, their connotations of inspiring legislation and executive decisions that affect us all. Yet you can find a few candidates from Congress every year who don’t know the difference between these two important concepts. (Unfortunately, they are sometimes even elected.)

A distinction with a difference

A distinction with a difference

Although they begin with a common syllable and have deceptively similar meanings, the words do not even have the same etymology. “Debt” is derived from the Latin for “due”, “deficit” of the word for “missing”, or “failure”; literally the opposite of “doing.” That alone should give you a hint about the difference between them. Debt owes money, deficit net money is withdrawn (if negative). That is the short version, but it has an exhibition on it.

Let us first tackle the debt, because it is nominally larger. The US federal debt is $ 18.3 trillion, the deficit $ 1 trillion, and it will never be the other way around. The first is a lifetime running tally, while the last is an amount calculated over a certain period. If the federal debt increases by $ 100 billion tomorrow, it would give us a total of $ 18. 4 trillion, where it remains until the next increase or decrease (excluding interest). It is not the case that everything is reset to zero when the current period ends. With a shortage, on the other hand, we look at a certain interval. You will hear terms such as “the federal deficit for the third quarter of 2013.” It is not logical to say “the national debt for the third quarter of 2013”. The debt is measured at a certain point in time, deficit over a period of time. To translate into the language of the financial statements, the debt is a deficit, since the balance sheet is the profit and loss account.

Good debt and bad

Good debt and bad

Debt may be the ominous figure, but does not have to be a weak economy. It is important to understand that debt – money owed – is by definition negative and can never be positive. As long as a country has to finance something expensive, whether it is the looAngelica list of the armed forces or the interstate highway system, that country will have to pay some form of debt.

A nation’s debt is money it borrows, silly obligations that must be repaid by a certain date. That date is usually set; depending on whether the money is in the form of treasury paper (less than a year), treasury bills (1-10 years), treasury bonds (beyond), or one of the many other securities issued by the federal government. It may seem paradoxical, but spending generally increases government debt, while revenue reduces it. A large number of economists will argue that the debt should also include billions of dollars in circulation, all fiat, none of something tangible, and the value determined by nothing more than a public consensus.

Even if we do not take currency into account, the payment capacity of the US government thus becomes a cruel or virtuous circle. The ‘full trust and credit’ of the government is so strong that it makes those T-bills and related obligations attractive enough to entice investors, which then stimulates debt issuance. Where it becomes problematic is when the United States Treasury eventually lends money, not just to private investors, but to the Federal Reserve – paying the right bag with what is left – not to mention British-American governments. That debt is indeed growing. The federal public debt is currently at the highest level (relative to GDP) since 1950.

Surplus plus a minus sign

Surplus plus a minus sign

As for the deficit, it is simply the negative version of the surplus. Take the income of a nation (or a state, a company or a household), deduct the expenses, done. Of course we call it a loss in a private company (or a profit in the case of a positive one). Target (TGT TGTTarget Corp57, 89-2, 36% Created with Highstock 4. 2.6) $ 1 spent. 6 billion more than it had cost last year, the worst result for US-based companies. Also in a wide margin. But a retailer has different financial goals than a sovereign nation. For the latter, generating income is relatively easy. Apply power by increasing tax. Theoretically, it should be easy for national receipts to surpass spending, which means that a country “earns” a surplus. However, a tax authority that levies taxes without distinction will soon revolt its citizens. Meanwhile, Target customers can just shop at Kohl’s (KSS KSSKohl’s Corp.40. 69-4. 53% Created with Highstock 4. 2. 6).

Everything is relative

Everything is relative

The United States has the largest budget deficit in the world. Kuwait and Brunei have the largest budget surpluses in the world and if the net migration between those countries and the United States is an indication, the latter is still the most desirable place to live. If you wonder what that might be like, there is more at stake than just spending that exceeds spending. The libertarian argument seems to be that both numbers should be as low as possible, and if that means that the last one becomes slightly larger than the last, so be it.

The economy of the United States is so large – 22% of the world’s total, despite the fact that the US accounts for only 4% of the world’s population – that the deficit, while it is definitely the largest on earth, is absolutely in the world. center of the package in relative terms. Somewhat impressive: the U. is exactly on the median: 108 of the 215 reporting entities.

Let’s take a look at the national debt. Again responsible for the size and robustness of the national economy, the United States becomes less of an outlier than if we look at rough figures. The United States has the 39th largest debt in the world compared to its gross domestic product, namely 71%. Greek Analyst is more than double, and Japan is more than triple.

The bottom line

The bottom line

deficit may well be harmless or benign, at least at the national level. Even compared to a surplus. Debt is inevitable, as an economy cannot really function without borrowers and lenders. The size of each does not necessarily have anything to do with the other, but has a lot to do with the size of the underlying economy. Debt is the accumulation of your English deficits (and the incidental surplus.) The next time you see a television-talking head staring open-mouthed at the National Debt Clock, or hearing that eliminating our national deficit is the priority on which our collective deficit livelihood depends, I know that I am skeptical.

Mortgage → Compare And Borrow


In today’s market, there are many and varied opportunities to borrow, both with the bank and with non-bank lenders. It may be difficult to understand the features, conditions and limits of all available credits. That is why the portal Thomas was created and our primary goal is to help people find the most suitable loans.

It is no secret that it is important to understand the selected loan very carefully before drawing it up so that it does not become unnecessary to overpay or, at worst, fail to pay the loan. Assessing the need for a loan and its ability to repay this loan is particularly important in the case of long-term loans. If you want to borrow for tens of thousands, remember that these are credit commitments, most likely for several years, and it is important that the debtor is able to meet these credit obligations.

What is a Mortgage Loan?

What is a Mortgage Loan?

A mortgage is a long-term loan secured by mortgaging real estate. To make a mortgage loan, you can also pledge the real estate you want to buy, repair, or arrange with this loan. Read more: Pledge loans .

During the loan repayment period, this property will be partly owned by the credit issuer. This means that if a person is not able to make credit payments or fulfill any of the credit obligations, the creditor may dispose of the property. After a full loan repayment, this property will belong to you.

Commitment for a long time

Commitment for a long time

Mortgage loan is a long-term loan, and before it is issued, lenders carefully assess the person’s candidacy and solvency. To be eligible for a mortgage loan, a person will have to prove to the lender that it is both financially and morally prepared for long-term credit commitments.

This can most often be proved by orderly finances and personal savings for a large purchase. Part of the purchase will have to be financed by the person himself, through co-financing. If a person has been able to receive funds for the first installment of the property purchase, this confirms the bank’s interest in making the purchase and the person’s solvency.

Most often, a mortgage loan is used for home purchase or repair. The mortgage loan usually amounts to 50% -85% of the market value of the property and is repaid within a period of 10 to 30 years. If there are one or more minor children in the family, the loan may reach up to 95% of the market value of the property using a state guarantee. Making a mortgage loan can be a bit more complicated than any of the short-term credit types, because there are much larger amounts here. That is why a person needs to agree with the lender on credit terms, credit currency, payment schedule, credit interest rate and other credit terms before signing the loan.

A dream about your own

A dream about your own

Many of us have a dream of their own home. Given that real estate is one of the biggest purchases made by people in their lives, for many of us it may seem like an unattainable dream. Making a mortgage loan is possible both through banks and non-bank creditors. Each credit institution has its own rules, which a person has to evaluate in the light of their own opportunities and needs. Read also: credits for furniture purchase .

Before starting the process, it is important to consider and evaluate several factors. It is important to carefully assess your needs and financial capabilities. You have to evaluate how expensive real estate you can afford with your financial capabilities and what restrictions can take you to the dream home purchase. It is worthwhile to re-evaluate the size, location and other factors that affect property prices.

It may be easier to find a dwelling in a budget-friendly price category if compromises are found in other areas. Property prices have a strong impact on their location, which is why consider alternatives. You may be able to save a lot of money if you carry out repairs after purchasing the property or when considering other types of projects. When choosing the right real estate, it is important to maintain a positive attitude and to approach the process with an open mind and let whale creative ideas.

Have you evaluated the following?

Have you evaluated the following?

Before you go into the available credit issuers and offers, it is worth considering some important factors. These factors have a direct impact on the choice of credit, and evaluating these issues can help you evaluate when and how to best apply for a loan for home purchase, repair or improvement.

  • How much do you need to borrow?

Before you go into the details of mortgage loans, it’s important to understand how much you need to borrow. This can be done by estimating the cost of the planned purchase or repair.

If you are planning to buy real estate, then evaluate the required property area and property prices in the desired region. Property prices can vary dramatically depending on how much property you want to buy and how much of this type of real estate is in your chosen region. After evaluating these factors, you will have more clarity about the amount of loan you need.

  • Have you assessed your solvency?

A person’s solvency plays an important role in the mortgage lending options. In order to be eligible for a mortgage loan, a person will have to prove his / her solvency, which has a determining role, among the other factors that the creditor will assess before the credit is issued.

A mortgage loan is a commitment for several years and before it is drawn up, evaluates whether you can afford all the costs associated with the loan and its execution as well as the monthly loan payments.

Monthly loan payments, as a rule, may not exceed 40% of a person’s net income. This factor should be taken into account when assessing the required amount of loan and repayment term.

  • Credit risks

Looking at both the borrower and the creditor, the mortgage loan has a relatively low risk. If a person fulfills all credit obligations, the credit has no risk. The only risk is the loss of real estate if credit obligations are not met. Until the last loan payment is made, the real estate is partly owned by the credit provider. This means that if a person is unable to make monthly payments, the creditor may dispose of the property.

The same mortgage, usually executed for several years, is likely to bring the borrower into financial difficulties or lose his job and thus his monthly income.

In these cases, it is very important not to avoid credit payments, but to go to the creditor and actively seek a solution to the situation.

Considerations that should be made before the mortgage is drawn up

Considerations that should be made before the mortgage is drawn up

To be able to make the best decision about a home loan, remember to consider the important factors that can make the loan less or more profitable. When deciding on such a serious loan with a long-term commitment, it is important to consider a number of important factors and the impact of these factors on your financial situation. Mortgage loan terms, rates and limits depend on how much you want to borrow because, regardless of whether you want to borrow for the purchase, construction, repair or improvement of your home, the bids may vary considerably depending on the credit institution you choose.

  • Monthly loan payments

The amount of monthly loan payments is significantly affected by the maturity of the loan, as well as the size and fluctuations of the interest rate. In short, this means that the monthly loan payments will be lower if you borrow for a long time. Just as the loan has a low interest rate, the monthly loan payments will be lower. It is very important to consider these factors before applying for a loan, because the offer of the creditor will depend on the amount and for how long the person wants to borrow.

  • Repayment term

The term of the loan repayment in banks is most often from 10 to 30 years, but it is worth remembering that the repayment deadlines of non-bank creditors may be different. Banks are usually more flexible with their offers than non-bank credit institutions, but it is always worth considering and evaluating a number of offers before making a decision.

As mentioned earlier, a longer maturity of the loan usually means lower monthly payments, but it is important to assess whether the credit is longer than necessary for the best option. Lending a loan for a longer period than necessary may mean that you will have to overpay once you give up the loan because the interest rate is applied to each payment.

Loan repayment may be a good option in the long run if you want lower monthly payments, but depending on the credit institution’s offer, remember to consider potential “for” and “against”, which can have a significant impact on the long-term credit benefits.

  • Maximum GPL Rate

The maximum annual interest rate is a value that is calculated using a special formula and its value essentially indicates how much your credit will cost you each year. It is possible to calculate the APR, if the term of the loan is known, as well as all costs related to the receipt and repayment of the loan. GPL must be specified in the credit agreement, so remember to read the entire credit agreement and other related documents carefully before signing the contract.

GPL is a good indicator for effectively comparing the benefits of different credits, even when a loan is taken for a shorter period. In order to compare offers between different credit institutions, it is worth taking the APR and comparing it to the same amounts for the same period of time between different credit institutions. Low annual interest rate credit is most likely to be most profitable in most cases.

  • Credit related additional costs

Individuals who have chosen to take out a mortgage or home loan should remember that they will have to pay not only the direct cost of the loan, but also other credit-related costs. Essentially, you will have to reckon with one-off costs in the credit execution phase and with recurring costs.

One-off costs may include bank charges for drawing up credit and related documents, valuation of real estate, land registry fees, notary services, and other expenses that will have to be settled in the start-up phase to ensure that all norms comply with credit standards.

Recurring costs may include various insurance charges, such as real estate insurance.

Monthly payment schedule

Monthly payment schedule

It is possible to choose between two types of loan repayment when making a mortgage loan. Choosing the type of loan repayment is worth considering your solvency and which type will be most friendly to your budget. Available payment schedule types are descending and equal.

Descending repayment schedule

The declining loan repayment schedule means that the loan principal and interest payments are higher at first, but with time, the loan decreases as the loan is gradually repaid. The principal amount for the entire loan repayment period is unchanged, but interest is charged to the outstanding portion of the loan. This repayment schedule will be most suitable for people who want and can pay a higher refund amount and interest payments at the beginning. Basically, the more the credit principal decreases, the more interest payments, which are essentially the result of the lower monthly payments, will be reduced and therefore this repayment method is called a falling repayment schedule. You can get more detailed information about this repayment schedule at the selected credit institution.

Equal repayment schedule

Equal credit repayment schedule essentially means that the loan principal and interest payments are distributed as much as possible in equal monthly loan payments. Every month you will have to repay, more or less, the same amount. Selecting a uniform loan repayment schedule will start with paying a higher amount of credit interest but a lower principal amount. Later, when most of the interest payments will be paid, you will have to pay a higher amount of the loan principal. It is important to remember that these values ​​will be balanced so that monthly payments are approximately the same for the entire loan repayment term. This credit repayment schedule will be most suitable for people who want to repay approximately the same amount each month, which can help to better plan personal and family budgets in the long run.

The main conditions for making a mortgage loan

The main conditions for making a mortgage loan

As we have mentioned several times, mortgage or home loan processing is a big and important decision that needs to be carefully and repeatedly evaluated before engaging in credit obligations. Unlike fast loans and other short-term loans, mortgage lending will be a little more complicated and will take a long time and patience from the borrower.

  • Needs

It is important to assess your needs and goals before applying for a loan. Do you need a large apartment in Riga district, a land plot in Jelgava, a small apartment in the center of Riga or something very different?

It is important to assess your personal and family needs. Real estate is a commitment for a long time, that’s why it’s important to evaluate your needs and opportunities to be able to make the best decision that will be beneficial in practice and budget-friendly.

  • Solvency

Persons with positive credit history and regular income of at least 450 € have the best chance of receiving a mortgage loan. Both bank and non-bank lenders have an interest in reducing risk factors by lending large amounts to private individuals, precisely because a credit institution carefully evaluates a person’s solvency and credit history before issuing a loan. It is important for credit institutions to reduce risk factors and to grant credits only to persons with good solvency and positive credit history. As a result, credit institutions can offer lower rates and other beneficial services to their clients.

Before the loan is issued, the credit institution will assess not only the factors mentioned above, but also the value of the property to be pledged, liquidity and the purpose for which the credit will be used.

For more detailed information on the details and features of the loan, you can apply for a consultation with one of the available mortgage lenders. The mortgage loan processing process can take up to several weeks, so the smartest solution is to start evaluating available creditors and offering them in time.

Whatever your financial situation or goals – always remember to assess the need for credit, borrow responsibly and evaluate your ability to repay the loan!

Which investments are still safe today?




In 2014 risk and return are inversely related. This year, it is of particular importance to have a high level of knowledge about the trends in the markets. In order to be able to invest his money safely, one should absolutely be prepared to adapt his investment strategy flexibly to the rapidly changing market situations. To ensure that you can invest your money safely today, a wide range of investment objects is available to you.

Secure investment with high returns

Secure investment with high returns

Conservative forms of capital investment, such as Bauspar contracts, time deposit accounts or even a house, the private investor promise a low risk but at the same time give no guarantee for a high return. Therefore, you should always look at other ways to invest your money. As a particularly profitable, proves to be more and more investment in real estate as a rental object. A big plus in renting is the fact that the profit remains independent of inflation, as the rent can be adjusted again and again to the cost of living. However, you should bear in mind that if you are a doubt, you have to commit yourself to a very long maturity.


Precious metals and other rare commodities as an investment

Precious metals and other rare commodities as an investment

The most precious and at the same time rarest precious metal, the gold, is one of the safest investments compared to others, because it proved to be extremely stable in value. However, gold does not provide ongoing income and there is no fixed return as the price of gold may rise as well as fall. Only the costs for storage are certain. You should therefore keep in mind that the precious metal is more of a hedge against currency collapse and less the asset accumulation. It is also worthwhile to invest your money in rare raw materials such as crude oil and natural gas, as these resources are limited on earth and therefore their value is steadily increasing.

Further information on the topic:

  • Financial Advisor in Miesbach can be found here
  • Markus Bause Finanz eK in Mühlheim
  • The best tips for investment, finance, funds, stock prices, credit cards, loans and banking conditions of financial experts at
  • Investment in South American cattle breeding at
  • Investment with morality? – More on


Best Providers of Student Loans – 2019


Many students who borrow to pay for college wade into the real world despair of ever being able to repay their loans. One of the most important ways in which students and parents can minimize their loan obligations is to first look around for the best providers before they borrow. Although there is no definitive list of best loan providers, this article shows you some that have received praise from consumers and financial aid websites.

The federal government

A list of the best student loan providers should start with Uncle Sam. Federal subsidized student loans are often the cheapest – and in many cases the only – alternative for students with a low or medium income and families who have to pay for college. Pell grants and subsidized loans offer rates and repayment terms that are generally much better than anything found in the private sector, including postponement, forbearance and loan forgiveness programs. For more information about federal student loans, visit www. student grants. gov. The site is full of information and sources.

Sallie Mae

Although it is a separate agency of the federal government, Sallie Mae offers student loans for students, graduates and parents. Money saving pro. com has highly valued the agency for its competent customer service, the ability to provide both federal and direct loans, and flexible repayment programs. The website offers secure encryption protection and a loan calculator that allows borrowers to project their repayment programs. Sallie Mae is also accredited by the Better Business Bureau. Unfortunately it is not possible to reach his customer service by e-mail, only by telephone.


This provider focuses on private loans. Nelnet offers a website full of tools and tools with which borrowers can determine where they are financially located and offers all the information they need to choose the best loan. Some of the tools include budget folders, guidelines for the prevention of identity theft and information about general money management. It also provides answers to an extensive list of frequently asked questions and offers both customer service via e-mail and telephone support. Nelnet’s current credit interest rate is in the range of 4-5%, although the variable interest rate may be higher.

StudentLoan. com

The StudentLoan. com website differs from Sallie Mae in that it is owned and managed by Discover Bank; until 2010 it was owned by Citibank. This can be considered in some respects as a possible disadvantage, since student loans are just one of the many products and services offered by this conglomerate. However, for a site sponsored by a single institution, this portal is easily one of the best. It offers comprehensive educational tools, articles and calculators for students and parents, and offers a variety of payment options, both oShakuntalaine and over the phone. They now also offer credit consolidation.

Burgers Bank

Although it does not have a separate student loan site such as Discover Bank, the Citizens Bank student loan website is very user-friendly and easy to understand. This bank offers both private and federal loans for students and parents at the level of both students and graduates. Burgers offers a variety of payment options.

Social finance (SoFi)


This unique company offers younger borrowers who lack the financial credentials typically required by banks and other traditional lenders with a viable alternative to their student loans. SoFi was the first to refinance both federal and private loans, and its insurers consider such non-standard factors as professional merit and work history to complement the borrower’s credit profile. Fixed and variable rates are available in multiple terms without start-up costs plus additional benefits for unemployment. The company itself has also made the Disruptor 50 List of CNBC and is now a member of the Billion Dollar Startup Club of Wall Street Journal (it was last valued at $ 4 billion in August 2015). The website also offers various educational tools and the average borrower has saved around $ 22,359.



This consolidation provider was created when more than 140 non-profit credit associations united to set up this group website. It offers loans for undergrads and consolidations for graduates. Borrowers must be members of a credit union to be eligible for services. LendKey now has north of 256 community lenders, allowing for some of the lowest student Shakuntala loan rates available.

Wells Fargo

Wells Fargo

This is one of the few banks that offers consolidation services for private student loans. Wells Fargo offers both fixed and variable rate loans, and can grant discounts for various incentives, such as graduation or opening another account at the bank.



This site, through Lending Tree, provides access to a pool of consolidation lenders. Borrowers can compare iShakunta logs and interest rates with lenders without having to enter their credit information. The rates are only estimates, however, based on an assumed credit score, and borrowers must submit to a credit check to be approved. Applications can take up to two months for approval, so borrowers must ensure that they apply to all lenders who suit them at the same time to minimize the impact on their credit scores.

Cedar Education Lending

Cedar Education Lending

Although Cedar Education Lending offers student loans and consolidation loans, borrowers with very high balances or loans with high interest rates may find a better alternative on this site. This site also offers loan consolidation that can result in longer repayment periods and lower monthly payments, a wise move for borrowers whose income will be low when they leave school.

Sun Trust


This bank does not charge for origination, application or prepayment costs, and borrowers may be eligible for rate cuts and masonic options if they are responsible managers. Potential borrowers can apply for and compare oShakuntalaine fixed-interest and floating-rate loans. Borrowers must qualify by being at least half enrolled in an approved school, being an American citizen or permanent resident and being at least 17 years old. It has suspended its credit consolidation program.

Student Estate Network


With this group, borrowers can compare lenders and also consolidate loans on their website. Borrowers can combine both private and government loans here, and this site provides extensive educational material about student loans and information about how borrowers can prevent them from defaulting. It must also contain messages that users can browse for answers to questions and further information.

The Bottom Line

The Bottom Line

Students and parents who need financial help now have more options than ever before. Banks, credit unions and other lenders offer a wide range of loans and scholarships that can help to finance education costs in an affordable way. For more information about student loans, contact your financial counselor or financial adviser.

Which One Is the Right Investment and Loans


When investing, it is always important that it is optimally tailored to the wishes and opportunities of the respective investor. The first decision is already to be made here whether one wants to have the assets to be saved at any time, or whether it is within their own economic latitude to be able to invest it over a certain period of time. If you are dependent on being able to access your savings account at any time, real estate funds are not at all and a fixed-term deposit is only suitable to a limited extent.

Lucrative investment with overnight money

Lucrative investment with overnight money

In question comes here above all the daily allowance. This combines the daily availability with a lucrative interest. Anyone who is well informed here by comparing the existing offers, comes with his return on the daily allowance already pretty close to the interest rate level for a fixed deposit. The daily allowance is suitable for a wide variety of investment objectives. One saver just wants to build up a small reserve to be well prepared for a major repair, or put the money back for a nice holiday with the whole family. The other uses the daily allowance to park a disbursed insurance until it is used. And in the commercial sector, the overnight money is especially useful if you want to set up tax provisions for larger investments. More on the subject money can also be found on

Longer term with fixed deposit

Longer term with fixed deposit

Anyone who can invest longer term, for which the time deposit is a worthwhile cause. It should be noted that especially the middle periods of the investment bring the best interest. Anyone who is very smart secures the contract money, a contract that can be terminated prematurely and in which the interest in this case back to the level of the daily allowance. This ensures the greatest possible flexibility without having to forego a good return on investment. The security of the invested assets is guaranteed at least in German banks both the daily allowance and the time deposit in full.

Risk-prone in real estate funds

Risk-prone in real estate funds

Anyone who thinks of investing in the long term and can also take on a small speculative risk, for whom real estate funds are a good thing. Above all, the open real estate funds offer a good spread of risk with good returns, because they invest in many different projects. In the case of a closed-end real estate fund, on the other hand, it may be that only one single major project is invested. Another difference between real estate funds is the tradability of the shares. Shares of open-ended real estate funds can be resold at any time. This is usually not the case with a closed-end real estate fund. In addition, there are usually restrictions on possible investors here.