Surplus capital will of course always profitably applied to be to achieve the highest possible capital accumulation. This solution is the ideal way for which there are few investment opportunities. This may include assets (such as real estate, gold or acquired but also, valuables, etc.) shares are speculated. Safe investments such as home savings, life insurance , retirement , etc. are not always very high profitable income, but in return offer a minimal risk . So important is the willingness to take risks and the aspect of the investment objective.
Savings contracts are always something to take a closer scrutiny, even if the purchase of a property is not present necessarily immediately. The loan services promise low interest rates and government support is not to be sneezed at. Different models are allowed to be explained by a specialist consultant.
Life insurance companies have lost heavily in recent years to lobby and are now accepted almost somewhat neglected by consumers. Here a distinction is made between risk - and endowment insurance . The conclusion is often thought of as a retirement or survivor hedge, the interest model are scaled very differently. Life insurance can also be used as loan guarantees.
Investment founds depend strongly on the risk appetite of the investor. Here are the safe model with low interest savings yield very popular models. The private pension schemes can hereby be also well controlled - an alternative to the well-known so-called Riester pension .
CONCLUSION: In general, it should be noted that the good old savings accounts with very low interest income today have largely used for investments. savings accounts , fixed deposits, treasury bills, etc. are higher here in the course. The current trend of the investor proceeds to asset management - in this case the capital is managed profitably by specialists from the banking institution authorized.