The Germans considered spenders, however, each Fufte holds for pointless saving. Magdeburg, 26.09.2013. But a recent study by the Sparda-Bank Hamburg and of the Research Center for financial services of the Steinbeis-Hochschule refuted this stereotype. Therefore every fifth German saving considers senseless. The saving rate, i.e. the proportion of disposable income that is laid back and not verkonsumiert, commutes constantly between 9 and 13 per cent in Germany. For comparison, in the United States the saving rate was last actually only one percent. But now the skepticism toward savings is growing in this country.
Over 20 percent of Germans consider saving currently useless, as a result of the study. These people invest money in bonds, stocks or gold, they build also no private assets, unless to meet later wishes or to private pensions. In particular, the fear of a rise in inflation leads to this phenomenon. If so any system to arouse the interest of the Germans, it is Tangible assets such as gold or real estate. They offer a net asset value, which can reduce a rising inflation not readily.
After all, any third party thinking in the context of the current environment of tangible assets. And even every second would also invest to protect themselves against inflation, in tangible assets, according to the study. But tangible assets, this shows the study also are more bought by people with high income and existing fixed assets. Real estate is the best example of this. Over 40 percent of the participants are already owners of a property. And are obviously happy with it. Because 60 percent of those are satisfied with their decision. The problem: People with low incomes and assets cannot afford usually a real estate, a classic property. In numbers: Only 40 percent of households can do this – according to the study. Whose capacity is less than 25,000 euros, rather puts his money in cars and furniture. But thanks to the MCM investor Management AG, there is an alternative for these investors. Who indeed as Retail investors”want to invest in the profitable real estate market, properly advised at the Magdeburg company. Professional consultants can balance risks and opportunities thanks to its wide knowledge base and assist in the decision. Trends and current developments be considered here as well. The MCM investor Management AG can benefit from this trend their investors in the form of an alternative”. This makes it possible to take advantage of investors through certificates of the Immobilienhype. This is already possible without high monthly expenses. It allows a wider mass access to the real estate market. The investor relationship is a win-win situation: the company benefits also their investors benefit. Finally, the MCM investor Management AG investment products make so successful the balance between safety, yield potential and high flexibility.