Worth Tagesgeldhopping?

With frequent changes to optimize the day money return. Is that possible? Interest rates are at a low. The European Central Bank is currently far from a raising of the federal funds interest rate, in contrast, Mario Draghi, and his colleagues from the Central Bank Board had stoked fears that the interest rate drops even further. For investors, this means they must pull all stops, to optimize their deposits. Who does not trust an investment in shares, has little room in the selection of appropriate deposits. Fixed-term deposits with longer fixed-rate is not recommended because the difference to more highly remunerated day money not offset the risk to miss a trend reversal in the market. Is continuous market observation necessary what solution does so himself? Banks are constantly on the search for new customers.

Federal funds are an horribly for the new solicitation, they offer the possibility of incentive and are easy to open. The banks use two variants for the incentive. In one case, the customer receives a direct credit to his account. These moves depending on the marketing campaign between 20 and 50 euros. In the other case, a higher interest rate will be paid for a certain period.

However, this bonus interest is maximized in the duration and the level of difficulty deposit. Comparing the rates of money market accounts shows which variation leads to the higher rate of return. Typically, investors with smaller balances with the cash deposit are better served. But what happens if the period of higher interest rates is expired? Balances are then applied to a rather average interest rate. This point is reached, it means for savers once again to take a look at the day money comparisons and to look around for the next Bank with better conditions. It is important not only to transfer the funds for a bank Bill, but to delete the account entirely. New customer every six months Tagesgeldhopping is absolutely worthwhile. There is a difference, whether it receives two percent interest on its deposits, or only 1 percent. To get the best conditions is to ensure It however imperative, again classified as a new customer to be. New customer is at many banks, who has entertained no account in the past six or 12 months. The institutions are naturally interested to recover from immigrant investors. For this reason, the hurdles for the new customer bonuses are used extremely low. It is anything other than reprehensible, to operate an active Zinsnomadentum. As long as bonds or other investment vehicles generate no satisfactory return, savers need to pull all the stops to invest their money at rates that allow them to prevent inflation capital consumption. Sten Koeppe

Credit Card – It Should Make

The offer of credit cards is almost unmanageable you are no longer out of the wallets of most consumers. The speech is by credit card, the practical cash replacement. Most banks are they with sold customers immediately when opening an account, customers can still choose between the standard and the gold card. About the fees, usually so little expressed as possible. The additional benefits are nothing special cards, which are sold by the credit institutions. A credit card comparison shows that there are significantly more lucrative offers.

The ideal solution for credit card comparison – a credit card comparison shows that there are a seemingly confusing number of different cards, on the other hand so many different manifestations, that is basically for every user the correct card. Who would like to use the card only to pay, is poorly served by sale of the Bank or savings bank in any case. Too many providers offer now also gold cards, without for this one Annual fee to charge. Many direct banks offer as part of its free checking account packages with a free credit card just to. There are also cases where an annual fee is quickly compensated by other perks.

The most popular variant is the tank discount. For frequent travellers it pays off quickly at current fuel prices, to choose a credit card that offers a discount on the invoice of the tank. The customers however, it should watch, that they choose a card, but foresees no annual maximum on the discount. Miles and more the other savings option just as popular are the credit cards, which give the holder a mileage credit in every payment operation. Also in this case, the annual fee is quickly compensated. However, it is crucial to know what airline it prefers. The latest savings option is interesting especially for families with children. Numerous retailers, including restaurants, best used when the younger Appeal find, have joined forces and offer discounts. To have not even used the map partly to pay, the show is perfectly adequate. Who is looking for a new cash replacement, should be so in advance exactly superior, when he put the plastic money what. It is a simple calculation, if the additional services and discounts justify the annual card fee, or whether one is possibly much better served with a free credit card. In addition to the classic credit cards based on a crediting of invoice, prepaid cards are becoming increasingly popular. These work like a phone card and must be charged before use. It is suitable even for young people and children. Sten Koeppe

Residential Property

The passbook is statistically the most common investment of the Germans. After all, 78 percent have a savings. Only far follow capital life insurance and savings. Real estate as an investment play only a minor role, although they make up the largest assets of German households as own-use real estate. “You look at this, in which asset classes, professional” investors, so asset managers, family offices and institutional investors create, so the real estate as an investment plays an increasingly important role.

Also Rolf Tilmes, CEO of the financial planning standards Board Germany considers the role of investment real estate in the wide audience of investors wrong. “Literally, he talks in an interview with the investment”: while real estate investments, can provide professionally selected and active managed, protection against crises and a rise in the inflation rate. ” And again he saith: in addition, that many Investors the return opportunities that are possible with investments in this sector, do not use.”with closed-end real estate funds, investing in residential real estate, investors can precisely these benefits. Especially if they are active such as the Grundinvest euro in the development of apartments at the prime of Munich”, says Jens Behre of the Munich-based service company of CSM conqueror sales & marketing. The company serves independent financial service providers and provides a selected portfolio of investments in tangible assets in the area of investments. Munich scores while with decisive advantages: a large demand for new homes against the backdrop of a unique in Germany vacancy rate of only 0.6 percent in a concurrent requirement for 31,000 new homes, as the German tenants Association points out.

The price developments over the last 24 months make it clear that a backlog was completed and now to assume is that the current high price levels remain sustainable. Anyway, experts don’t see a starting point for a price bubble”. Residential real estate itself doing compared to commercial properties different advantages characterized by: kleinteiliger to sell from the perspective of the developer and faster find a new owner. The required capital is therefore shorter, which increases the chances of return. The market is also not as restricted as in the commercial sector. Residential real estate are also less susceptible to economic cycles and trends. It is always used but the Internet and its possibilities, regardless of time and place having can buy, for example, the situation with store owners clearly changed, what affects also the general demand for industrial real estate. CSM-chef Jens Behre sends another advantage in the race: while is usually commercially strong funds to major projects, the charm of residential real estate fund is that it mostly involves portfolio fund – the wider dispersion offers more Flexibility and thus safer. Who participates then still – as in the holdings of the euro Grundinvest – on the development of new housing, can expect also attractive yields, without having to tie up his capital long. Experiences from other countries show that very well can occur in an environment of low interest rates and high liquidity excesses in the real estate markets. The German real estate market is therefore more accurate observation currently we see but still no action. A housing bubble no speech can be in Germany at the moment”, said Dr. Andreas Dombret as the Executive Board of the Deutsche Bundesbank earlier this year in an interview with the Leipziger Volkszeitung newspaper (link: url9.de/EhQ).