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Das kommt darauf an, was du dir für deine Zukunft wünscht. Wichtig dabei ist, dass du es klar definierst, um es erreichen zu können.
Du brauchst für diese Rechnung die notwendige Geldsumme für dein individuelles Finanzziel, deinen Anlagehorizont und den erwarteten Zinssatz. Dann kannst du dir deine monatliche Sparrate berechnen. Vergiss dabei nicht die notwendigen Steuern abzuziehen. Am besten du nutzt dafür unsere Finanzielle-Ziele-Rechner.
The sum of your initial capital (=starting capital) and the interest received is the final capital. The money you have at your disposal after a certain term.
Initial capital is basically the money that is invested - i.e. invested in securities - at the beginning of a certain period of time. You can also call it starting capital, because you have to start with this amount of money if you want to reach your financial goal.
This depends on which security you want to invest in. If you invest in a world ETF such as the MSCI World, you can expect a return of around 7%. However, past values are no guarantee of future returns.
To calculate the starting capital you need:
- Final capital (=your financial goal)
- Duration (=When should your goal be reached?)
- Annual interest rate
Financial freedom is the point at which you are independent of a job and no longer HAVE to go to work.
It depends on what you want from your future. The more demands you make, the more money you will need.
To do this, you need to know the monthly amount you want to have available later, your current age, your desired retirement age, the expected interest rate on your investments and the estimated inflation. The best way to do this is to use our Financial Freedom Calculator.
We will be launching very soon, first exclusively for our waiting list. The app will be free for the first users. If you want to be the first to know about our launch, join our waitlist.
Start investing with 1 euro on the app. At the moment, you can practice with fictitious money.
If you want to start investing, or you are still unsure about which financial products to buy/sell, this app is just the right one for you. We take you by the hand and help you build your portfolio with confidence.
Investing in the financial market is associated with volatility. This means that the value of your money is constantly going up and down. We can't guarantee you a specific return, but if you invest diversified and over the long term, you can expect annual returns of around 8% (based on the historical performance of the MSCI World—read more in our course).
We have two subscription models, in order to provide maximum cost transparency. No hidden cost.
For the time being, you only invest with fictitious money. So you can't lose anything. As soon as you have the opportunity to build up your real portfolio with us, your money will be protected with up to EUR 100,000 in accordance with the EU Deposit Guarantee Scheme. In addition, all your purchases on the financial market are secured by a central institution. This means that even in the unlikely event that we cease to exist at some point, you will always have access to your portfolio and can either continue to hold it with someone else or convert it back into money.
Of course, you can! It is really important to us that you make informed and solid decisions. That's why we urge you to first start with our courses and articles. You can therefore learn with the app for as long as you want. Although it's important to start investing early, we don't want to push anyone into investing. Only once you feel ready, you should, take this step.
We think that you know what suits you best, and there are benefits of investing in things you personally believe in. This is easier than you might think. Of course, we won't leave you on your own, but our goal is for you to build your own portfolio- a portfolio that you feel confident with.
The beauty of the financial market is that it is 100% flexible. This means that you can convert your investments back into euros whenever you need money.
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