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Anlageleitfäden
Kurze, praktische Artikel, inspiriert von gängigen Themen aus der Anlageakademie – Allokation, ETFs, Risiko und Multi-Broker-Hygiene. Getrennt von den Produkthandbüchern.
50 Ratgeber
Passive vs Active Investing: Why ETFs Are Mostly Passive
A first-principles explainer on passive and active investing, why most ETFs track an index, and how long-term European investors can build a low-cost, diversified portfolio.
ETFs · Fonds
What Are Stock Market Indices and How Are They Used?
A plain-language guide to what stock market indices are, how they are built and weighted, and why they matter for long-term European investors.
Indizes · Grundlagen
Understanding ETF Expense Ratios and Their Long-Term Impact
Learn what a TER is, what it covers, how it is deducted, and why small fee differences compound into large gaps over decades of investing.
ETFs · Grundlagen
What Is the Average Stock Market Return and What Profits Can You Realistically Expect?
How long-term index history, inflation, and investor behaviour shape what a diversified portfolio has delivered.
Grundlagen · Rendite
Asset Allocation by Age: How Your Portfolio Should Evolve From Your 20s to Retirement
How much to hold in stocks, bonds, and cash from your 20s through retirement — an illustrative glide path, not a formula.
Allokation · Portfolio
Investing in ETFs — a beginner's guide
How ETFs work, accumulating vs distributing, UCITS, costs, and how to choose and buy funds for a long-term portfolio.
Grundlagen · ETFs
What is asset allocation?
How to spread risk across stocks, bonds, cash, and other assets — and why a single-broker view can mislead you.
Grundlagen · Allokation
Keeping a multi-broker portfolio tidy
Habits that reduce duplicate tickers, missing cost basis, and “ghost” cash when you invest across several apps.
Grundlagen · Portfolio-Pflege
What is an investment plan?
A beginner’s framework: goals, risk, what to buy, how often to contribute, and when to review.
Grundlagen · Planung
How to build an investment portfolio
Step-by-step: goals, risk, asset classes, a simple allocation, low costs, automation, and rebalancing.
Grundlagen · Portfolio
What are ETFs?
Exchange-traded funds in plain language: how they work, why beginners use them, and what to check before buying.
Grundlagen · ETFs
Stocks vs ETFs: which should beginners use?
A clear comparison of single shares and funds — when each makes sense, and a sensible default for most people.
Grundlagen · Aktien · ETFs
Risk tolerance: how much volatility can you live with?
Capacity vs willingness to take risk, simple self-checks, and how to translate answers into an allocation.
Grundlagen · Risiko
Diversification explained
Why spreading bets works, what “false diversification” looks like, and how to diversify without owning 80 tickers.
Grundlagen · Diversifikation
Rebalancing your portfolio
What rebalancing is, calendar vs threshold methods, and how to do it with new contributions first.
Grundlagen · Rebalancing
Dollar-cost averaging (and euro-cost averaging)
Why investing a fixed amount on a schedule reduces timing stress — and when a lump sum can still make sense.
Grundlagen · Einzahlungen
Understanding dividends
What dividends are, yield vs growth, accumulating ETFs, and how dividends fit a total-return mindset.
Grundlagen · Dividenden
P/E ratio basics
What price-to-earnings means, how beginners use it, and the traps that make a “cheap” stock expensive.
Aktien · Analyse
Bonds and bond ETFs
Why bonds exist in a portfolio, duration and interest-rate risk in plain language, and how beginners usually get exposure via ETFs.
Grundlagen · Anleihen
Cash in a portfolio: drag or dry powder?
How much cash to keep, opportunity cost vs safety, and spotting idle balances scattered across brokers.
Grundlagen · Bargeld
Leverage and risk
What leverage means, why it amplifies losses as well as gains, and why long-term investors usually avoid it at first.
Risiko · Trading
Stop loss and take profit orders
What protective exits are, how they work in practice, and limits for long-term ETF investors.
Trading · Risiko
Bid, ask, and the spread
The language of prices on an exchange — and why spreads are a real cost for frequent traders.
Grundlagen · Trading
Technical vs fundamental analysis
Charts vs business/economic drivers — what each tries to do, and what long-term index investors can ignore at first.
Analyse