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
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 Finanzcheck.de.
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
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.