{"id":335895,"date":"2024-05-16T20:30:36","date_gmt":"2024-05-16T20:30:36","guid":{"rendered":"https:\/\/northern.finance\/bonus\/investment-options-in-2026-an-overview-of-your-choices\/"},"modified":"2026-06-23T12:26:00","modified_gmt":"2026-06-23T12:26:00","slug":"investment-options-in-2026","status":"publish","type":"post","link":"https:\/\/northern.finance\/en\/learn-how-to-invest\/investment-options-in-2026\/","title":{"rendered":"Investment options in 2026: an overview of your choices"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Anyone looking to <a href=\"https:\/\/northern.finance\/en\/learn-how-to-invest\/investing-in-shares-2026\/\" data-type=\"post\" data-id=\"255276\">invest their money wisely<\/a> these days is quickly overwhelmed by the vast array of options available. Deciding whether to invest in shares, save through ETFs, go for the traditional route of <a href=\"https:\/\/northern.finance\/en\/learn-how-to-invest\/government-bonds\/\" data-type=\"post\" data-id=\"245030\">government bonds<\/a>, give P2P lending a go, venture into <a href=\"https:\/\/northern.finance\/en\/learn-how-to-invest\/investing-in-gold\/\" data-type=\"post\" data-id=\"244713\">gold investments<\/a> or try their hand at cryptocurrencies seems an impossible task. Every form of asset management has its pros and cons. In this article, you\u2019ll learn how to build a diversified portfolio.<\/p>\n\n\n\n<div>\n<div class=\"wp-block-group nf-info-boxen\">\n<div class=\"wp-block-group__inner-container\">\n<p class=\"nf-boxen-p-gut-zu-wissen\"><strong>In brief:<\/strong><\/p>\n<ul class=\"infobox-ul\">\n<li class=\"infobox-li\">With rising prices and inflation, it is becoming increasingly worthwhile to invest independently<\/li>\n<li class=\"infobox-li\">The internet is full of all sorts of tips and advice, and it\u2019s easy to get overwhelmed<\/li>\n<li class=\"infobox-li\">A well-thought-out strategy and a carefully considered approach are essential<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Some preliminary thoughts on your investment <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Before you invest blindly in a particular type of investment, you should draw up a clear plan of what you want to achieve with your investment and be clear about the following steps. The fact that you\u2019re reading this article is the first step in the right direction.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to invest your money, you\u2019ll at least want to preserve the <strong>value of your assets<\/strong>. This means keeping pace with ever-present <strong><a href=\"https:\/\/www.destatis.de\/EN\/Themes\/Economy\/Prices\/Consumer-Price-Index\/_node.html\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/www.destatis.de\/EN\/Themes\/Economy\/Prices\/Consumer-Price-Index\/_node.html\" rel=\"noreferrer noopener\">inflation<\/a><\/strong>. But why is that so important?  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Inflation means that the same amount of money, for example \u20ac10,000, no longer has the same value as it did some time ago. So, for example, 10 years ago you could buy more with \u20ac10,000 than you can now. You can clearly see the loss of value of money in everyday examples. The most common example would be a scoop of ice cream. Whilst this cost just under \u20ac1.50 in most German cities in 2022, the average price is now \u20ac1.70.       <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/Grafik-1-9-1-1024x1024.png\" alt=\"\" class=\"wp-image-335908\" style=\"width:623px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/Grafik-1-9-1-1024x1024.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/Grafik-1-9-1-300x300.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/Grafik-1-9-1-150x150.png 150w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/Grafik-1-9-1-768x768.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/Grafik-1-9-1.png 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Source: <a href=\"https:\/\/de.statista.com\/infografik\/9806\/preise-fuer-eine-kugel-eis-in-ausgewaehlten-staedten\/#:~:text=Alle%20Werte%20der%20105%20befragten,4.909%20umsatzsteuerpflichtige%20Eisdielen%20und%20%2Dsalons.\" target=\"_blank\" rel=\"noopener\">Statista<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your primary goal when investing should therefore be to beat this inflation, so that your money does not lose value. This happens, for example, if you simply leave your money sitting in your bank account. It would not grow in value there; instead, without you even realising it, you would <strong>become poorer<\/strong>.    <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The second major goal of investing is <strong>wealth creation<\/strong>. The aim is not simply to preserve the value of one\u2019s money, but also to grow it. This self-declared goal makes sense for a number of reasons  <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Building a <strong>passive income<\/strong> stream<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Who doesn\u2019t dream of a 13th month\u2019s salary? By investing wisely in various investment vehicles, this is certainly possible. What matters with these investment vehicles is a <strong>high return<\/strong> and stability.   <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Building up a <strong>supplementary pension<\/strong> <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pensions in Germany are falling year on year. For people on lower incomes, this is often not enough to live on in old age. If you start investing in your future now, it could well pay off. For this sub-goal, you should focus on <strong>long-term investments. <\/strong>   <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The final factor could be <strong>setting aside some savings<\/strong>. It never hurts to be prepared for unexpected events. An unforeseen accident, problems with your home or other issues. Building up a nest egg alongside your other finances could be worth its weight in gold should you find yourself in a difficult situation.    <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Further considerations and steps to take before you invest<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Once you have decided on the purpose of your investment, you should give the matter further thought and take some preliminary steps before making your first transfer or investment. You can regard the following steps as a sort of <strong>primer<\/strong>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pay off your debts first<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you tend to keep jumping at new ideas and trying out the latest investment opportunity, it\u2019s best to pause for a moment. If you still have outstanding loans, <strong>pay those off first<\/strong>. The interest on such loans is usually higher than the expected returns on your investments. (Bear in mind that paying off your debts isn\u2019t always a smarter move than saving, but it usually is.)   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Take stock of your total assets<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Get a clear overview of your finances. It\u2019s fine if this takes a bit of time. You should go through all your accounts and really take a close look at your current contracts and so on. After all, having a certain <strong>amount of capital<\/strong> is a good starting point for investing.   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This assessment also takes your <strong>personal circumstances<\/strong> into account. How secure is your income, or rather, how much do you earn? Are you a civil servant or self-employed? Do you have a family? How much can you set aside each month? Based on your answers, you\u2019ll be able to get a good idea of the size of your investment and your risk tolerance.      <\/p>\n\n\n\n<iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/Il-gp_X2r2M?si=4gk3JlFDPp8bSIbP\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>High potential returns = Higher risk<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Of course, we\u2019d all love to achieve the highest possible returns, enough to cover a thirteenth month\u2019s salary. However, these aren\u2019t handed to you on a plate. Shares traded on the stock market, for example, can offer you a better return than forms of investment such as call money and fixed-term deposits. In return, though, you\u2019ll have to accept price fluctuations and greater risks.     <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The longer you save, the better <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to investing in the stock market, the difference between success and failure usually comes down to the length of the investment. For example, if you buy shares at a high price and then sell them in a panic during a crisis, much of your investment could be wiped out. That is why, with most investments, the key is to <strong>stay calm<\/strong>. Long-term strategies, in particular, pay off this way.     <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Wide distribution \u2013 the more, the better<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you consider a range of different investment options when building your portfolio and include them in it, the risk of a total loss is reduced. You are making use of the principle of <strong>diversification<\/strong>, in much the same way as funds or ETFs do.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Improving returns through low costs<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Very few sensible forms of investment are completely free of charge. In most cases, there are costs involved in managing your money or investing it. Whilst instant access and fixed-term savings accounts are often almost free, custody accounts for share investments or funds usually incur a management fee. These can sometimes run as high as 2%. A more cost-effective alternative is what are known as <strong>index funds<\/strong>, also called ETFs. These incur no management fees and can often be invested in via neo-brokers without an initial fee.      <\/p>\n\n\n\n<div>\n<div class=\"wp-block-group nf-info-boxen-blau\"> \n<div class=\"wp-block-group__inner-container\"> <p class=\"nf-boxen-p-lesetipp\"><strong>Good to know: <\/strong><\/p> \n<p class=\"nf-boxen-p\">Don\u2019t rush into an investment. You should always bear these basic rules and considerations in mind before making any investment. If you act hastily, in 99% of cases you\u2019ll simply lose your money.  <\/p> \n<\/div><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">3 steps to investing in different types of investments<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019re now going to give you an exclusive step-by-step guide on how to make your investment. This will help you prepare for the process as effectively as possible, and once you\u2019ve chosen your investment option, you can start investing straight away.  <\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Step: Determine your investment horizon and savings goal <\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">We have already discussed savings goals. As a general rule, it always makes sense to plan and make long-term investments. A time frame of up to five years is referred to as a short-term investment, five to ten years as a medium-term investment, and anything over 10 years as a <strong>long-term investment<\/strong>.   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A look at the performance of the MSCI World index shows just how rewarding long-term investments can be. This index tracks the world\u2019s most successful companies and is a popular fund index (i.e. ETF), which is often used for regular savings plans.  <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"474\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/Grafik-2-3-1-1024x474.png\" alt=\"\" class=\"wp-image-335915\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/Grafik-2-3-1-1024x474.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/Grafik-2-3-1-300x139.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/Grafik-2-3-1-768x356.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/Grafik-2-3-1-1536x711.png 1536w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/Grafik-2-3-1-2048x949.png 2048w, https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/Grafik-2-3-1.png 2161w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">It is clear that the index is steadily increasing in value. The average annual return from 1975 to 2022 rose by 9.5%. A good figure, albeit over a correspondingly long period. The graph also shows that the loss during the longest market slump \u2013 from September 2000 to March 2003 \u2013 amounted to 54%. It is therefore clear that long-term investing, in particular, has its advantages.     <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You should ask yourself three questions before choosing an investment option:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>How long can you go without that money?<\/li>\n\n\n\n<li>How many losses can you cope with in the meantime?<\/li>\n\n\n\n<li>How much money would you like to have at the end of the investment period?<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Step: Allocate the money correctly<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Now you should think carefully about how you want to achieve the goal you have set yourself. You can choose from a wide variety of investment types and asset classes.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Of course, we don\u2019t want to give anything away just yet. You can now scroll down, have a look at our tips for each class, and then continue with the guide once you\u2019ve made your decision. <\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Step: Invest and keep calm<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">You should now have a plan for what you want to invest in and how. Now it\u2019s time to put it into action. Depending on the type of investment, there are various providers to choose from.   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When considering traditional options such as <strong>current accounts and fixed-term savings accounts<\/strong>, you\u2019ll need to choose a bank. Bear in mind that it\u2019s not just your local banks that are worth considering. Online banks also regularly offer attractive interest rates. Make sure you consider every option.   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re thinking of investing in <strong>shares, funds and ETFs<\/strong>, it\u2019s often worth comparing different brokers. This often involves comparing providers, such as the neo-brokers <a href=\"https:\/\/northern.finance\/en\/review\/scalable-capital-vs-trade-republic\/\" data-type=\"post\" data-id=\"242400\">Scalable Capital and Trade Republic<\/a>, to determine which one is best suited to your needs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">These are the best investment options in terms of return and risk<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The time has come: we\u2019re now going to introduce you to our top investment options. Please note that these are not recommendations nor do they constitute financial advice; rather, they are intended to give you an idea of what you can do to get a step closer to your financial goals.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, we want to limit ourselves somewhat when it comes to investment options. Of course, you can also invest your money in property and commodities. In our view, however, the most sensible approach involves <strong>call money<\/strong>, <strong>fixed-term deposits<\/strong>, <strong>shares <\/strong> or <strong>ETFs<\/strong>, as well as <strong>P2P lending<\/strong>.  <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Call money<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Probably the safest and most conservative way to invest and save your money. You save your money in a call money account, which is legally protected by a deposit guarantee scheme within the EU.  <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Advantages <\/strong><\/td><td><strong>Disadvantages<\/strong><\/td><\/tr><tr><td>Safe storage of your assets. No negative impact on your assets, for example due to falling prices.   <\/td><td><strong>Low <\/strong> returns. These are set by the bank in the form of interest rates and are usually not particularly high. Furthermore, unlike with shares, for example, they cannot increase.   <\/td><\/tr><tr><td>Available and accessible every day \u2013 you have full control over your savings, making it ideal for your emergency fund. <\/td><td>No flexibility despite being available every day. You can\u2019t change much or reposition things.  <\/td><\/tr><tr><td>Protected by the European deposit guarantee scheme.<\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">2. Fixed-term deposit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This type of investment is also considered very safe. In terms of the account type, it works in a similar way to a call money account, but without the option of daily access. In return, however, you receive higher returns.  <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Advantages <\/strong><\/td><td><strong>Disadvantages<\/strong><\/td><\/tr><tr><td>Safe storage of your assets. No negative impact on your assets, for example due to falling prices.   <\/td><td><strong>Nevertheless, the returns are low.<\/strong> These are set by the bank in the form of interest rates and are generally not particularly high. Furthermore, unlike with shares, for example, they cannot increase.   <\/td><\/tr><tr><td>A slightly higher return than with a call money account.<\/td><td>As it isn\u2019t available on a daily basis, it\u2019s not really suitable for money you need to access frequently. You should also base the term and other details on your specific needs. <\/td><\/tr><tr><td>Protected by the European deposit guarantee scheme.<\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">3. Shares and ETFs as savings plans <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The third investment option involves investing in shares. This involves setting up a savings plan, which means making a fixed monthly investment in the relevant asset. Of course, you can also invest in any asset via a one-off investment.   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Individual share savings plan<\/strong>:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You invest in a share of your choice every month. It doesn\u2019t matter how big the company is, as you can often invest in fractions of a share (at least with most online brokers) <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Advantages <\/strong><\/td><td><strong>Disadvantages<\/strong><\/td><\/tr><tr><td>High dividends can provide a source of passive income.<\/td><td>Choosing the right company can often be <strong>overwhelming<\/strong>, which may lead you to make a hasty decision \u2013 or not make one at all. <\/td><\/tr><tr><td>By investing in fractions of shares, you can invest in specific companies in a <strong>targeted <\/strong> manner. <\/td><td>By focusing on a <strong>single share<\/strong>, you become heavily reliant on it. Crises or other changes can have a major impact on your savings plan. <\/td><\/tr><tr><td><\/td><td>Investing in a single share is a bit of a <strong>gamble<\/strong>. You\u2019re always on the lookout and can always find a share that might actually be a better fit. <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>ETF savings plan<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An ETF tracks an index such as the DAX or the MSCI World. The ETF in question automatically invests in the shares included in the index, without any human intervention.  <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Advantages <\/strong><\/td><td><strong>Disadvantages<\/strong><\/td><\/tr><tr><td><strong>Low costs<\/strong>; some providers don\u2019t even charge any fees for investing in ETFs.<\/td><td>The ETF savings plan is somewhat \u201cleft to its own devices\u201d. Depending on their focus, the indices are <strong>entirely at the mercy<\/strong> of the economy. This applies particularly to ETFs that track the global economy.  <\/td><\/tr><tr><td>They are <strong>completely independent<\/strong>; the relevant index is not monitored by humans but operates automatically. <\/td><td>A degree of caution is advised when it comes to so-called \u201cthematic ETFs\u201d. These are sometimes based on simple trends and do not constitute a genuine index. Examples would include crypto ETFs and the like.   <\/td><\/tr><tr><td>In some cases, very <strong> high returns<\/strong> are possible. On average, ETF returns stand at a solid 7%\u20138%. <\/td><td><\/td><\/tr><tr><td>Established ETFs sometimes have a lower cost-average effect due to the large number of investors per ETF.<\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">4. Peer-to-peer lending<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The term P2P stands for \u2018peer-to-peer\u2019. P2P loans are personal loans that you can lend out yourself. They fall under the category of \u2018crowdlending\u2019, a sub-category of <a href=\"https:\/\/de.wikipedia.org\/wiki\/Crowdfunding\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/de.wikipedia.org\/wiki\/Crowdfunding\" rel=\"noreferrer noopener\">crowdfunding<\/a>.   There are now also platforms and marketplaces where these loans are traded. There, you can choose a loan that suits you or appeals to you. The platform sets the interest rates at which you invest.  <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Advantages <\/strong><\/td><td><strong>Disadvantages<\/strong><\/td><\/tr><tr><td>Investing in a large <strong>number <\/strong> of loans is also possible for private individuals.<\/td><td>The <strong>risk of default<\/strong> if a borrower is unable or unwilling to pay \u2013 this is where diversification helps. <\/td><\/tr><tr><td>You can look forward to <strong>high returns<\/strong>! The average interest rates on these loans range from 10% to 14%.<\/td><td>P2P marketplaces sometimes misjudge the creditworthiness of certain borrowers, as some of them lack sufficient experience.<\/td><\/tr><tr><td>Regardless of whether banks grant loans, there are also P2P marketplaces that operate <strong>quickly <\/strong> and efficiently. <\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion: Take control of your own financial planning<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">That brings us to the end of this guide. In fact, the topic of different investment options is becoming increasingly interesting for many people. Yet it often seems more complicated than it actually is. The three main types of investment are <strong>instant access savings accounts<\/strong>, <strong>fixed-term deposits<\/strong>, and <strong>shares<\/strong>\/<strong>funds<\/strong>\/<strong>ETFs<\/strong>. By adopting a diversified approach to saving in these assets, tailored to your goals, there\u2019s not much standing in the way of building your own wealth.    <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You might also be interested in topics such as \u201c<a href=\"https:\/\/northern.finance\/en\/learn-how-to-invest\/the-10-best-investments\/\" data-type=\"post\" data-id=\"248130\">The 10 best investments<\/a>\u201d, \u201c<a href=\"https:\/\/northern.finance\/en\/p2p\/investing-in-p2p-lending\/\" data-type=\"post\" data-id=\"243612\">Investing in P2P lending<\/a>\u201d or \u201c<a href=\"https:\/\/northern.finance\/en\/etf\/etfs-for-beginners\/\" data-type=\"post\" data-id=\"264197\">ETFs for beginners<\/a>\u201d? <a href=\"https:\/\/northern.finance\/en\/\" data-type=\"link\" data-id=\"https:\/\/northern.finance\/en\/\" target=\"_blank\" rel=\"noreferrer noopener\">Find out more here.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">FAQ &#8211; Frequently asked questions<\/h3>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-62a4c8ad uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-e7a9d196 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>Is it a good idea to start building up your wealth at a young age?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Yes, especially when you\u2019re young, you have the advantage of being able to shape your future now. You have many years ahead of you in which you can try out different investment options and should be investing for the long term.  As you have learnt in this article, long investment horizons are always best.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-b9f64fb2 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>What are the three most important types of investment?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>The most sensible approach is probably a mix of day-to-day savings and fixed-term deposits, as well as shares, funds and ETFs. These three types of investment form a solid foundation for building your wealth. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-22c672ec \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>What should my main focus be when investing?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>Diversification is absolutely key. That way, you can avoid high risks and boost your chances of a return! <\/p><\/div><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Anyone looking to invest their money wisely these days is quickly overwhelmed by the vast array of options available. Deciding whether to invest in shares, save through ETFs, go for the traditional route of government bonds, give P2P lending a go, venture into gold investments or try their hand at cryptocurrencies seems an impossible task. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":335902,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[1039],"tags":[],"class_list":["post-335895","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn-how-to-invest"],"acf":[],"uagb_featured_image_src":{"full":["https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/EN-Anlageformen-2024-Deine-Moglichkeiten-im-Uberblick.png",1920,1080,false],"thumbnail":["https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/EN-Anlageformen-2024-Deine-Moglichkeiten-im-Uberblick-150x150.png",150,150,true],"medium":["https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/EN-Anlageformen-2024-Deine-Moglichkeiten-im-Uberblick-300x169.png",300,169,true],"medium_large":["https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/EN-Anlageformen-2024-Deine-Moglichkeiten-im-Uberblick-768x432.png",768,432,true],"large":["https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/EN-Anlageformen-2024-Deine-Moglichkeiten-im-Uberblick-1024x576.png",1024,576,true],"1536x1536":["https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/EN-Anlageformen-2024-Deine-Moglichkeiten-im-Uberblick-1536x864.png",1536,864,true],"2048x2048":["https:\/\/northern.finance\/wp-content\/uploads\/2024\/05\/EN-Anlageformen-2024-Deine-Moglichkeiten-im-Uberblick.png",1920,1080,false]},"uagb_author_info":{"display_name":"Aleks Bleck","author_link":"https:\/\/northern.finance\/en\/author\/aleks\/"},"uagb_comment_info":0,"uagb_excerpt":"Anyone looking to invest their money wisely these days is quickly overwhelmed by the vast array of options available. Deciding whether to invest in shares, save through ETFs, go for the traditional route of government bonds, give P2P lending a go, venture into gold investments or try their hand at cryptocurrencies seems an impossible task.&hellip;","permalink_manager":null,"_links":{"self":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/335895","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/comments?post=335895"}],"version-history":[{"count":7,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/335895\/revisions"}],"predecessor-version":[{"id":336938,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/335895\/revisions\/336938"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/media\/335902"}],"wp:attachment":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/media?parent=335895"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/categories?post=335895"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/tags?post=335895"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}