Invest money in ETFs

Those who invest money in ETFs have two advantages over funds: First, the management costs are significantly lower, leaving more appreciation for the investor. And secondly, they generally perform better. This is because ETFs track an index - the DAX, for example. If the value of the DAX rises, the value of the index also rises. If the DAX falls, the value of the index also falls quite automatically. Managers of active funds try to achieve better performance than ETFs by actively buying and selling. However, they very rarely succeed in doing so. It is also said those fund managers rarely "beat" the market.

For those who want to invest their money in a broadly diversified ETF, experts repeatedly recommend MSCI World. Its return has averaged 7.1% per year since 1970 - despite various crises - making it a profitable investment for many.