Investing for tax advisors: Lucrative investments in 2026
As a tax advisor, you have a secure job, but sometimes wonder whether that is really enough in the long term. Despite stable incomes, tax advisors in large cities in particular are coming under increasing pressure from rising living costs and property prices.
As a tax advisor, you are ideally placed to implement well-thought-out financial strategies at an early stage. We help you build up your assets in a targeted manner, thereby securing greater financial independence for the future. This enables you to improve your financial situation in the long term and be well prepared for future challenges.
In brief:
- Your income as a tax advisor forms the basis for achieving financial freedom, but sustainable wealth accumulation is primarily achieved through sound knowledge and strategic investments.
- Exchange-traded funds (ETFs) are the basis for long-term growth with broad risk diversification.
- P2P lending enable regular interest payments and serve as an independent source of income outside the stock market.
- Crypto investments can be a useful addition to your portfolio if held in moderation and can increase returns.
- Automated savings plans save time and guarantee continuous investment even when operating at full capacity.
Why financial investments are particularly important for tax advisors
Tax advisors are often completely focused on their professional challenges: precise tax planning, client care and responsible conduct. In doing so, they often overlook the fact that their own finances and investments also benefit from clear structures, systematic approaches and a sense of responsibility.
When a lot of energy and time is invested in one’s career, there is a tendency to postpone financial decisions or settle for simple solutions such as instant access savings accounts. Those who analyse their finances objectively, develop a sound financial plan and act responsibly can become financially independent.
That is why tax advisors should take control of their own financial investments as soon as possible:
- A good income is not the ultimate goal: tax advisors usually earn well, but real wealth only comes when you don’t spend everything you earn. Without smart investments, your potential for financial independence remains untapped.
- Rising everyday costs: price increases reduce purchasing power. Even with good salaries, inflation leads to a loss of value in the long term. Shares and similar forms of investment protect against this and promote additional growth.
- Changes in the labour market: automation, artificial intelligence and flexible working models require continuous development and financial adaptability. Automated investments provide you with security.
- Pension provision and pension gaps: Statutory pension benefits are often insufficient for tax advisors to maintain their standard of living in old age. Early investment creates stability.
- Independence and financial freedom: Financial independence allows you to plan your career path yourself, whether that means changing industries, taking time off or starting your own business. Without financial security, this is difficult, and many people remain trapped in their daily routine.
These reasons underscore why tax advisors should actively take charge of their wealth planning in order to achieve financial freedom and security.
The compound interest effect: your best friend when building wealth
Compound interest is a mathematical principle that massively accelerates your wealth accumulation. Every time you continuously invest a portion of your income and reinvest the returns instead of withdrawing them, your capital grows exponentially.
Key aspects of the compound interest effect:
- Exponential growth: Interest generates further interest, causing your assets to grow at an ever-increasing rate.
- Long-term effect: The longer your money remains invested, the more pronounced this effect becomes.
- Regular investments: Even small amounts can grow significantly over time.
- Attractive interest rates: Higher returns significantly enhance the effect.
- Starting early is crucial: the earlier you start, the greater your assets will be later on.
Use the compound interest effect to systematically grow your wealth as a tax advisor by investing long-term, disciplined and wisely.
How does the compound interest effect work in detail?
Interest is paid on the initial capital, and the interest received is not spent but reinvested. This results in interest being paid repeatedly on interest already received, which means that the assets grow exponentially rather than linearly, causing the curve to become steeper and steeper over time.
A simple example illustrates the principle: you invest €1,000 and achieve an annual return of 7%. After the first year, you receive €70 in interest, which you reinvest. In the second year, the interest is calculated not only on the original €1,000, but on €1,070.
After two years, that amounts to over €1,144. This growth continues to accelerate, similar to a snowball that gets bigger and bigger as it rolls along, picking up more and more snow. As a tax advisor, you can leverage this effect to increase your wealth in a long-term and sustainable way.
Example: 7% annual return with a regular savings plan
To illustrate the effect of compound interest, let’s consider the following scenario: As a tax advisor, you invest in a broadly diversified ETF portfolio that generates an average annual return of 7%.
| Monthly amount | 5 years | 10 years | 20 years | 25 years | 30 years |
| 250 € | 17.305 € | 40.905 € | 115.674 € | 166.712 € | 235.978 € |
| 500 € | 34.610 € | 81.810 € | 231.347 € | 333.424 € | 471.956 € |
| 1.000 € | 69.220 € | 163.619 € | 462.693 € | 666.849 € | 943.912 € |
This example clearly shows why it is so important to start early and invest even small monthly amounts. The longer you invest money regularly, the more your portfolio will grow thanks to the compound interest effect.
Keep an eye on your own costs: low fees increase compound interest
The full benefit of compound interest can only be realised if your invested capital can grow as unimpeded as possible. High fees and costs counteract this growth effect, as they significantly reduce returns, especially over long investment periods. Even small annual fees of 1 to 2% can lead to a loss of tens of thousands of euros in potential asset growth at the end of the investment period.
These costs are deducted directly from your earnings. This not only reduces your profit on a one-off basis, but also at each individual interest payment date, significantly weakening the compound interest effect due to administrative fees and fund costs. The longer your investment runs, the greater the impact these costs have on the final result.
It is therefore particularly important to look for low-cost products with low total expenses ratios (TER) when selecting funds. This means that more of your return remains in the investment and can continue to grow and work for you.
As a tax advisor, conscious fee control is a crucial factor in exploiting the full potential of the compound interest effect for your long-term wealth accumulation.
Suitable investments for tax advisors: Investing efficiently and securely for the future
To ensure solid retirement provisions in the long term, it is advisable to invest in ETFs and P2P lending, for example through savings plans. These forms of investment offer a balanced ratio of return and risk.
- ETFs (Exchange Traded Funds): They reflect entire markets and benefit from the long-term growth of the global economy.
- P2P lending: Through specialised platforms, you lend money directly to private individuals or companies and receive regular interest payments in return, regardless of stock market fluctuations.
The combination of ETFs and P2P lending offers attractive returns, broad risk diversification and minimises dependence on stock market performance. This allows you, as a tax advisor, to invest your money effectively and securely for the future and build up your assets.
ETFs: Invest globally with ease and reap long-term rewards
Exchange traded funds (ETFs) are funds traded on stock exchanges that track an entire market or an index such as the MSCI World (ISIN: IE00B4L5Y983) or the S&P 500 (ISIN: IE00B5BMR087).
When you invest in an ETF, you automatically hold shares in many companies at the same time and can therefore benefit from the growth of numerous firms. The issuers of the ETFs take care of fund management, dividend distributions and rebalancing for you, so you don’t have to worry about a thing.
Example: 9% annual return with the S&P 500
The S&P 500 is one of the best-known stock indices in the United States and, according to Investopedia, has achieved an average annual return of around 9.06% over the last 20 years. Anyone who invests in a fund that tracks this index over the long term will benefit from economic growth in the United States.
Why ETFs are an attractive investment for tax advisors:
- A stable cornerstone for your portfolio: ETFs are subject to fluctuations, but are significantly less volatile than individual shares. This makes them an excellent basis for sustainable wealth accumulation.
- Low effort: You can conveniently purchase ETFs through a savings plan or as a one-off investment. Once set up, your monthly investment runs automatically, so you don’t have to track prices on a daily basis.
- Broad diversification: Your money is invested in various countries, sectors and companies across many stock exchanges. This allows you to spread the risk, as fluctuations in individual stocks are offset when others perform well.
These advantages make ETFs a smart and straightforward investment opportunity for you as a tax advisor, enabling long-term capital growth.
This is how I invest in ETFs with a 9% return
My investment portfolio consists of approximately 37% shares from industrialised countries and 42% ETFs that invest in emerging markets. This allows me to benefit from the stability of established Western markets on the one hand and the growth potential of emerging market ETFs, which can generate higher returns, on the other.
I manage my portfolio with Scalable Capital, where I particularly appreciate the wide selection of ETFs and the fee-free savings plans. The user-friendly app makes it easy for beginners in particular to get started and makes regular investments very convenient.
This strategy offers a good balance between security and potential returns and is ideal for tax advisors who want to grow their assets efficiently over the long term.
How to get started
- Select two broadly diversified global funds, for example one for developed countries and one for emerging markets.
- Set up an automatic savings plan that runs every month.
- Check approximately once a year whether the allocation of your investments still corresponds to your goals and adjust if necessary to restore the desired balance.
With this approach, you can easily and systematically build up your assets, diversify your capital globally and achieve stable returns at the same time.
P2P lending: Additional returns regardless of stock market performance
Peer-to-peer (P2P) lending are lending granted directly to private individuals or companies. Investors use platforms such as Bondora or Mintos, which check the creditworthiness of borrowers and ensure the administration and repayment of loans. In return, you as an investor receive the accrued interest.
P2P lending are particularly relevant for borrowers who do not have access to traditional banks or do not wish to use them. As a tax advisor, you can currently achieve returns of between approximately 6% and 15% per annum with these loans, which is significantly higher than typical bank interest rates. P2P lending therefore represent an attractive alternative to instant access savings accounts.
How a P2P lending works in practice:
- Borrowers apply for financing for purposes such as renovations or investments.
- The platform assesses creditworthiness and risk and decides on lending approval and terms.
- You determine your investment amount, and the loan is financed together with other investors.
- Repayments, including interest, are made regularly and distributed to you on a pro rata basis.
- The platform then takes care of the entire process, monitoring and, if necessary, dunning.
This type of investment offers you, as a tax advisor, the opportunity to diversify your portfolio and benefit from attractive returns regardless of stock market movements.
Why P2P lending are particularly attractive for tax advisors
- Predictable income: On many platforms, you receive interest and principal payments monthly or even daily. This is ideal if you are a tax advisor looking for regular, automated additional income.
- Stock market-independent returns: Even when the stock market is weak, your P2P lending continue to generate interest and repayments.
- Minimal time investment: Automated features such as Auto-Invest at Mintos or Go & Grow at Bondora handle the lending process for you.
This makes P2P lending an excellent source of additional income and offers you, as a tax advisor, the opportunity to build long-term wealth alongside ETFs. This combination reduces fluctuations in your overall portfolio, ensuring greater financial stability to achieve your long-term goals.
1. Invest easily with Bondora and receive daily interest
If you are looking for a straightforward investment, you can get started with Bondora’s Go & Grow in just a few steps. Simply transfer money to your Bondora account, and Bondora will distribute the capital across many small loans. You will receive daily interest, currently around 6% per annum.
Your advantages when investing with Bondora:
- Very convenient: you don’t have to select individual loans, everything runs automatically.
- Available daily: You can withdraw your money at any time, and it will usually be back in your account within one banking day.
- Passive income: Interest is credited to your account daily.
It is important to note that even established P2P platforms such as Bondora can carry risks. Borrowers may fail to meet their obligations.
Good to know:
However, Bondora has over 17 years of experience, more than 500,000 investors and has already invested €1.7 billion in capital and paid out around €159 million in interest in recent years.
2. Invest flexibly with Mintos and achieve higher returns
If you are a tax advisor and want more control over your investments, Mintos is a recommended alternative. On this platform, you can invest in loans from various providers. Both personal and business loans from many countries are included in the lending portfolios in which you can invest your capital.
Your advantages with Mintos:
- High returns: Depending on your risk profile, you can achieve annual returns of between 6% and 15%.
- Repurchase guarantee: Should a borrower default, many lenders will take over the repurchase.
- Flexible automation: You can manage your investments completely automatically using the auto-invest function or select loans individually.
- Broad risk diversification: Diversifying across many borrowers and countries reduces your risk.
It is important to note that some lenders have been insolvent in the past, resulting in late or incomplete repayments. Mintos offers numerous settings options, which makes the platform somewhat more complex but also gives you many customisation options.
3. Sustainable investing with Ventus Energy
With Ventus Energy, you can invest specifically in projects in the fields of renewable energies and energy infrastructure, such as wind energy, solar power plants and energy storage facilities. This allows you to actively support the energy transition while benefiting from regular interest payments.
Your advantages at Ventus Energy:
- Excellent returns: on average around 17% per annum.
- Daily interest credits: These increase the effect of compound interest.
- High transparency: Comprehensive information on all projects and regular buyback offers for your shares.
Please note, however, that Ventus Energy is not suitable for small investors due to the minimum investment of €1,000 in most cases. In addition, energy projects are susceptible to market fluctuations, meaning that your investment carries a higher risk.
This is what your financial investment as a tax advisor could look like in 2026
In my portfolio, you can see how I use a mix of different asset classes to not only provide for my future in a sustainable way, but also to generate additional, regular income.
You can adopt this model or adapt it to your individual needs, but it is important that you observe the following criteria:
- High returns with reasonable risk
- Regular distributions for greater financial flexibility
- Automate your investments as much as possible
Depending on your risk tolerance and current life situation, your investment strategy may look very different. Some prefer more security, while others are willing to take on more risk initially. There are many possibilities, but I think it makes sense to focus on automated and passive income streams. Below are two options that are particularly suitable for this.
1. Conservative portfolio for security and stability
| Investment | Share in the portfolio | Goal |
| ETFs | 70 % | Long-term, stable growth |
| P2P lendings | 20 % | Regular cash flow |
| Cryptos | 5 % | Additional yield driver |
| Call money | 5 % | emergency reserve |
2. Aggressive portfolio with a focus on returns
| Investment | Share in the portfolio | Goal |
| ETFs & individual shares | 50 % | Long-term, global growth |
| P2P lendings | 25 % | Regular interest income |
| Cryptos | 20 % | High return potential with higher risk |
| Call money | 5 % | Short-term reserves for emergencies |
Why this strategy makes sense for tax advisors
- ETFs: They form the foundation of your portfolio. With them, you can benefit from global economic growth in the long term with manageable risk and typical market fluctuations.
- P2P lending: These bring you additional returns. The regular interest payments increase your disposable income and secure your earnings with little effort.
- Cryptocurrencies: They are riskier, but can significantly increase your returns.
- Savings account: A secure liquidity reserve if you need money at short notice.
These systems are suitable for me:
- ETFs: In my portfolio, I use a mix of industrialised and emerging market ETFs, such as iShares Core MSCI World (ISIN: IE00B4L5Y983) and Vanguard FTSE Emerging Markets (ISIN: IE00B3VVMM84). This allows you to invest in developed countries while also benefiting from the opportunities offered by emerging markets.
- P2P lending: Platforms such as Bondora or Mintos are interesting for attractive returns with moderate risk. They offer user-friendly interfaces, are considered reliable and enable automatic investments.
- Cryptocurrencies: A small portion can increase returns. Platforms such as Binance and Trade Republic allow you to trade easily without spending a lot of time.
- Savings accounts: For example, Trade Republic currently offers 2% interest on uninvested capital (as of November 2025).
This combination is a balanced and efficient investment strategy for tax advisors, combining long-term growth and security.
Conclusion: High-yield investments for tax advisors
It is important for tax advisors to build an intelligent portfolio to ensure financial security. Even if your income is stable, it is often not enough to rely solely on salary increases. You should use the time and let your money work for you.
A mix of ETFs, P2P lending and a small portion of cryptocurrencies can provide a solid foundation for the long term. This allows you to benefit from global economic growth, receive regular interest payments and avoid having to worry about daily stock market fluctuations.
Most investments can be automated, which keeps the effort involved to a minimum. Broad diversification significantly reduces the risk. The earlier you start, the stronger the compound interest effect will be and the faster your assets will grow sustainably.
This strategy combines security with returns and enables you, as a tax advisor, to manage your assets efficiently and securely for the future with the right investments.
FAQ: Frequently asked questions about investing for tax advisors
