Investment alternatives

The yield expected and the risks vary by asset class

Different investment alternatives suit different needs. High yield means high risk. If the saving period is long, you can afford to assume more risk in the hope of a high yield, since in the long run even considerable rises and falls will level each other off.

You can decrease the risk associated with investing by allocating your investments between short-term fixed income, long-term fixed income and shares. Based on the risk and yield, the investment alternatives can be divided into

• short fixed income investments
• long fixed income investments
• shares.

Fixed-income products for the short term

If the investment horizon is short and the saving target known, you should choose investment objects whose capital remains secured in all market situations. Of the fixed-income products, accounts retain their capital and even in other fixed-income products the value fluctuation is more moderate than in equity investments.

Add shares for the long term

If the saving horizon is long, you can afford to assume more risk in the hope of a high yield, since in the long run even considerable rises and falls will level each other off. Shares suit as long-term investments through funds or as direct investments.