Focus who now long term creates his money at an interest rate that is fixed and therefore unfortunately also invariant, not benefited by suddenly rising interest rates at a low level of interest rates should be on short-term investments such as money market accounts, when rising interest rates to be able to react flexibly. A longer-term investment would tie their capital against it. It is still not too long ago, that direct banks promoted at rates between five and six percent on money market accounts. But today, there is so little interest fixed by the European Central Bank at a rate of only one percent, with banks and savings banks like never before. The day money Portal day money interest vergleich.com according to credit institutions in the average pay just 1.18% day money, where individual providers to pay up to 2.5%, as well as for fixed-term deposits up to about four percent. This interest rate differentials convince many investors to wrong decisions, because who now long term creates his money at an interest rate that is fixed and therefore unfortunately also invariant, will not benefit from the central banks will increase no later than the end of the year again interest rates suddenly rising interest rates and according to experts. “” Day money vs. fixed many savers again and again the same error sit on “, as Klaus Holschuh, Chief Economist of the DZ Bank Frankfurt: in phases of high interest they put their money in money and in low interest rate periods they shift then it in long-term investments.” “Since interest rates for time deposits currently have reached a low point, it is worth barely, to invest money in the long run because who sets up early”, can lose.
To the increase in the key interest rates one of the many day money offers of from different banks tends to short time investors therefore recommended. “If you want more interest for his money, will compare day money determine that the best provider just as high” interest rates offer as the Festgeldanlage of most banks currently promises. Should the experts keep right and interest rates at the end of the year to rise again, it is advisable savers that their money up to the turn of the interest rate”to a day money account Park. Savers who need their money not in the short term, can set it for half a year and then, if the predicted higher interest rates, choose a longer-term investment. Although get in the six-month system of less interest than on the day money account, but have the advantage that the if even low interest for the Festgeldanlage during the conditioning period are guaranteed and not continue to fall. Savers who want to remain flexible, lose very little at a facility on a day money account to the deposit account.
The interest of investors in the investment in raw materials has increased dramatically in recent years. The interest of investors in the investment in raw materials has increased dramatically in recent years. Commodity funds, equity holdings by mines and mining companies and commodity certificates well 25 billion euro were invested compared to around 9 billion euros at the end of 2007 and EUR 12 billion end 2008 end of February based on aggregated data from Fund and certificate associations in Europe. In Germany alone were the 2.2 billion euros more to as deducted from the products were well in commodities of investing Fund and shares according to the Fund Industry Association BVI in 2009, there were again 300 million euros in January. In pure commodity funds almost 6 billion euros were end of January. Raw materials plants take in terms of investment and investment volume is still a small area of the capital market a; among the inflows of the past year, the product class but already occupies a leading position.