News ZDF WISO Tip: How to manage the investment with stocks and funds

News ZDF WISO Tip: How to manage the investment with stocks and funds

Monday, 13.03.17 , written by Anja Schlicht Although no significant returns can be achieved with traditional investments such as overnight money and fixed deposits, the number of people investing their money on the stock market is stagnating at around nine million people. The stock market does not mean gambling and losses. The current ZDF WISO tip shows that investing in shares can be a

ZDF WISO gibt wichtige Tipps zur Geldanlage mit Aktien

Investment in the stock market easily explained

Current accounts with interest rates are now an exception, money market accounts are barely making any profits, and even the yield on fixed-term accounts can not satisfy investors. Although many savers know that they are losing money rather than gaining money with classical investments because of inflation, most of them are staying away from the stock market with its return opportunities. Just nine million people invested in the stock market in 2016. Two reasons for the reluctance could be the complexity of the stock market and the fear of losses .

Laypeople do not need much knowledge to get more out of their money. As the current ZDF WISO tip shows, good advice, a cost comparison and the selection of suitable passively managed funds are important for this goal. In the case of the latter, Stiftung Warentest, among others, can help with its regular fund tests.

Open Depot – Compare Costs

Anyone seeking to invest in the stock market should decide whether to buy individual shares or invest in funds . For beginners in the field it makes sense to bet on funds. As the saver’s money flows into several stocks or bonds, there is a risk of losing money. Stiftung Warentest recommends beginners a deposit of at least two funds – an equity fund for the return and a fund of safe assets such as a pension fund. Where savers open their custody account is up to them. A cost comparison, however, quickly shows that especially online banks offer more favorable conditions than branch banks , so ZDF WISO. Savers who want to go public need a deposit account for their investment.

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Index Funds: The simple way of investing in the stock market

Investors can also save money when selecting funds. Via passive funds “money can be invested in the stock market in a particularly easy and cheap way,” says ZDF WISO. For these index funds or investments known as ETFs track stock indices such as the DAX. In the case of actively managed funds , on the other hand, a fund manager tries to achieve a return above the market average by deciding which shares to buy. “In reality, however, at least the fund managers succeed,” says ZDF WISO. In addition, the active management costs additionally.

ZDF WISO: These tips reduce risk on the stock market

According to the consumer magazine, fees of one percent of the invested amount are already considered uneconomic. To find the right ETF, interested parties can get advice from their bank. However, they often have to remain stubborn , as banks tend to sell actively managed funds. In addition, it makes sense to ask for further investment offers in order to compare the different options.

To minimize the risk, ZDF WISO gives the following tips:

  • Never put everything on one card
  • The shorter the application period, the greater the risks
  • Only invest money that savers can forego for longer
  • Do not invest all assets in stocks
  • Stay rational and make no hasty decisions

Permanently good index funds at Stiftung Warentest

The worldwide market-wide index funds with a very good rating from Stiftung Warentest include, for example:

  • Amundi MSCI World Ucits ETF EUR
  • ComStage MSCI World Ucits ETF
  • db x-trackers MSCI World Ucits ETF 1C
  • iShares Core MSCI World Ucits ETF
  • Lyxor Ucits ETF MSCI World D-EUR
  • Source MSCI World Ucits ETF
  • UBS MSCI World Ucits ETF A

The current fund costs vary between 0.2 percent and 0.45 percent. The return over five years, together with distributions less running costs, ranges from 14.1% to 14.4% depending on the fund.

Tip: Depending on how long you want your money to work for you and how much risk you want to invest, different options are recommended. Find out with a non-binding investment offer which high-yielding options you have when investing.

  • Here are tips and more information about the investment. >
  • Anja Schlicht

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The home help strike was called off when the company paid the payroll with a loan “negotiated” by her

The home help strike was called off when the company paid the payroll with a loan “negotiated” by her

The workers of Multiservicios Jabalcuz, concessionaire of the home help service of Jaén, have definitively canceled the indefinite strike scheduled for the 22nd, once the company has paid two payrolls that were owed from a loan “negotiated” by the responsible for that entity with the bank with which he works.

The workers of Multiservicios Jabalcuz, concessionaire of the home help service of Jaén, have definitively canceled the indefinite strike scheduled for the 22nd, once the company has paid two payrolls that were owed from a loan “negotiated” by the responsible for that entity with the bank with which he works.

This was announced on Thursday at a press conference at the UGT headquarters in Jaén the chairman of the works committee, María del Carmen García, who indicated that the employer had just confirmed that he was already making cash the payment of payroll to from that “credit” that he had negotiated with his bank.

However, the representative of the workers has indicated that from now on they will follow “vigilantes” to verify that the payments are received monthly, a condition that they expect to be carried out if the City Council “meets 50 percent” of the “commitment” that acquired in the Extra-judicial Service of Resolution of Labor Conflicts (Sercla) of the past week, the one of “not diverting” the money received from the Board as a dependency to transfer it entirely to the company, as explained.

The other “50 percent” of the commitment reached by the City Council in the Sercla was, according to the Secretary of Health and Social and Health Services of UGT-Jaén, Miguel Ángel Cazalilla, the financial operation agreed with the Caja Rural that would allow the latter advance 500,000 euros to the City Council and this, in turn, to the company, for the immediate payment of the two payroll owed.

As pointed out this Wednesday, Cazalilla has indicated that the businessman of Multiservicios Jabalcuz has rejected “fully” the “leonine” conditions of that financial operation, since, as he said, he would have to “assume the cost of the operation”, what would suppose an expense of “between 50,000 and 55,000 euros”, also by the interest rate to be paid.

The rejection of this operation is what led him to “negotiate with the bank with which he normally works a credit operation” which is the one that, finally, has allowed him this Thursday to pay the two outstanding payrolls and that costs him ” well less than half “than the” discount line “of the Caja Rural.

“Millionaire” debt

The Secretary of Sociosanitarios Services of UGT-Jaén has emphasized in addition, that the debt that drag the company by the service of home help is of “2.2 million euros”, although “the City Council says that you only owe 700,000 euros, “an amount” more than three times “lower.

Cazalilla attributes that delay to the fact that the government team of José Enrique Fernández de Moya (PP) “has applied the single-cash principle” with the payments received from the Board and has used that money originally intended for home help as that “he thought it was more convenient”, so he would not have paid all the money to the company.

Therefore, Cazalilla expects that from now on the mayor “fulfill his commitment to create a restricted account” for home help, something that “is clear and evident that is not met” currently, and “do not deviate payments” of the Board, which, as the representative of UGT has added, the president of the Andalusian Government, Susana Díaz, affirmed this Wednesday in the Debate of the State of the Community that “they were going to be regular”.

In this regard, has indicated that the concessionaire has guaranteed that “if you remit payments” from the Board with the announced regularity, “will not have any problem in making effective payroll” of the template, despite their debt .

When asked by journalists, the head of Health and Social and Health Services UGT-Jaén has also referred to the judicial dispute currently open between the Board and the City Council on this issue, following the fact that the Consistory denounced last year the agreement of the dependency subscribed with the Autonomous Administration.

Cazalilla recalled that the judge initially in charge of the case, José María Cañada, retired last June, and his replacement, Humberto Herrera, “has recently joined” his new position in the Contentious-Administrative Court number 3 of Jaén, so “it seems that this part almost zero” and can “spend months” before there is a ruling on it, as predicted.

 

The conflict “tires”

Finally, in the press conference has also intervened Secretary General of UGT-Jaén, Manuel Salazar, who has lamented that for the “thousandth time” the situation of “lack of payment of a few payrolls of workers that month a month they do their work “, a conflict that” tires “when produced” repeatedly “.

In that sense, he remarked that the staff “deserves” to have the “peace of mind” of knowing that “at the end of the month he will collect his salaries which, incidentally, are quite short”, and he has asked himself ” how much incompetence “to reach this situation, in which” it seems that someone is behaving like a trilero “, while” users of the service and workers “attend as” passive spectators “to this conflict.

Salazar concluded by asking on behalf of UGT “good sense” and that “once and for all establish a basis to ensure a service to workers and users, that the company charged in a timely manner, that the City does not divert money from the dependency for other purposes and the Board complies with the commitment that the dependency will be paid no later than 60 days after having performed the service “.