Investing at low interest rates: Which forms of savings are suitable

Stuttgart – The interest rates are low, the fear big: savers are currently not easy to find the right investment. Nevertheless, it is possible to achieve a return that is above the inflation rate. Investors only have to distribute their money properly.


Picture: Money Image: © matttilda / / Text: dpa / tmn

Euro debt crisis, low interest rates and high inflation – times are tough for investors. Those who want to invest their money safely, but at the same time want to avoid a devaluation of money, must distribute their assets. “You should invest in several asset classes,” advises Petra Locher of the consumer center Baden-Württemberg in Stuttgart. That was an effective protection against high losses. But which plant is suitable? An overview:

call money

“Savings accounts are a good way to park your cash,” says Locher. Because here customers could have the credit at any time. Especially direct banks often offer good interest rates that are above the inflation rate. Customers should make sure that the account opening is not conditional and the assets are protected by the deposit insurance.

Fixed deposit / savings bonds

Who can spare his money longer, should invest part of it in time deposits or savings bonds. “There are much higher interest rates than overnight money,” says Locher. The advantage: If interest rates continue to fall, customers would receive the agreed interest over the term. But the money should not be invested for too long. “One to three years are enough.” Because for longer terms they receive hardly better interest rates.

Stocks / Funds

Equities or equity funds offer higher returns, but also carry a higher risk. “There must already be a certain willingness to take risks,” says Locher. With fluctuating prices, investors would have to be able to live. Nevertheless, those who are long-term oriented should invest part of their money in a broadly diversified equity fund. Because in the long run, higher returns could be achieved on the international stock markets than with other reputable investments.

precious metals

In times of crisis, many investors repeatedly rely on precious metals such as gold. “The return on gold, however, is only generated by the price,” Locher points out. In other words, if the price rises, the investor makes a profit. If the price falls, he loses. However, there is nothing wrong with investing part of a larger fortune in gold.


Low interest rates are good for homebuyers. “In a self-used property, it is rarely on the return,” Locher explains. Therefore, a corresponding investment should be made more dependent on life planning than the prospect of profits. Those who do not want to buy their own house can put part of their money into open-ended real estate funds. “However, there is also a fluctuation risk.”


For bonds investors should pay attention to the valuation. “One should only buy bonds from debtors with the highest rating,” recommends Locher. This is the case for German government bonds, but the yield is low. For retail investors, therefore, bond funds are an alternative, because they invest in many different papers and therefore spread the risk.