So fängst du 2025 mit dem Investieren an (in 10 Min!)

Summary

In this video, Thomas from Finanzwur guides beginners through the basics of investing, emphasizing the importance of securing financial stability for the future. He explains why investing is crucial to overcoming inflation and building wealth, comparing the benefits of investing in stocks and ETFs. Thomas then walks viewers through a simple 5-step process for starting with ETFs: choosing the right ETF, opening a broker account, setting a monthly contribution, automating the investment, and sticking with the plan for long-term success. This practical approach ensures that anyone can start investing and building wealth steadily over time.

Takeaways

• 😀 Investing is essential for future financial security, as saving alone isn't enough to keep up with inflation.
• 😀 The earlier you start investing, the more significant the impact of compounding returns over time.
• 😀 When you save without investing, inflation erodes the value of your money.
• 😀 Long-term investments (7% return) can turn a €12,000 savings into €122,000 over 30 years.
• 😀 To reduce risks, diversify your investments across many industries, countries, and sectors.
• 😀 Exchange-Traded Funds (ETFs) provide an easy way to invest in a broad selection of stocks worldwide, minimizing the risk associated with individual stocks.
• 😀 The MSCI ACWI and FTSE All-World are two popular indexes for global ETFs, covering both developed and emerging markets.
• 😀 ETFs are available in different variations, such as distributing or accumulating, where accumulating ETFs reinvest earnings automatically.
• 😀 Choosing the right ETF involves comparing factors like Total Expense Ratio (TER) and ensuring that the ETF is well-established with a large market volume.
• 😀 Opening a brokerage account (Depot) is necessary for investing, and many online brokers offer free ETF savings plans (Sparpläne).
• 😀 Setting up a monthly savings rate and automating transfers into your ETF account helps ensure consistent investment without having to think about it constantly.

Q & A

Why is investing important for the future?

Investing is important because it helps you build wealth over time, especially in preparation for retirement. Without investing, your savings lose value due to inflation, and you may not have enough to maintain your standard of living in the future.

What is the risk of just saving money without investing it?

The risk of only saving money is that it loses value over time due to inflation. Even if you save money in a bank account, without investing it, it won't grow and will decrease in purchasing power.

What are the benefits of long-term investing?

Long-term investing allows your money to grow significantly due to compound interest. The longer you invest, the more substantial the growth, as returns build on previous gains, especially with an average return of around 7% per year.

How can you reduce the risks of investing in individual stocks?

To reduce the risks associated with individual stocks, it's essential to diversify your investments. This can be done by investing in Exchange Traded Funds (ETFs) that cover a broad range of stocks across different sectors and countries.

What is an ETF, and how does it work?

An ETF (Exchange Traded Fund) is a financial product that tracks an index, like the global stock market. It contains a wide array of stocks, offering diversification. Many ETFs track global markets, so investors get exposure to different industries and countries with one investment.

What are the key factors to consider when choosing an ETF?

When choosing an ETF, consider the index it tracks, its Total Expense Ratio (TER), and its size (assets under management). Additionally, check whether the ETF is accumulating or distributing income and ensure that it fits your investment goals.

What is the MSCI ACWI index, and why is it a good option for beginners?

The MSCI ACWI (All Country World Index) tracks both developed and emerging markets globally. It is a good option for beginners because it provides broad diversification and exposure to various economies around the world.

How should you determine how much to invest each month?

Your monthly investment amount should ideally be at least 10% of your net income. To determine this, it's helpful to track your spending for a few months to understand how much disposable income you have available for saving and investing.

What steps are involved in setting up an ETF investment plan?

To set up an ETF investment plan, choose an ETF that suits your goals, open a brokerage account (also known as a depot), decide on your monthly investment amount, set up a regular transfer or standing order, and finally, create the ETF savings plan.

What is the significance of a 'Total Expense Ratio' (TER) in selecting an ETF?

The Total Expense Ratio (TER) is a measure of the fees charged by an ETF. A lower TER means fewer fees, which is more beneficial for investors, as lower costs allow for greater returns over the long term.