How Germans Would Invest 100.000€

There’s no doubt about it – 100.000€ is life-changing money! But how can you make sure that you are investing this large amount of cash wisely? 🤔 Let’s find out together in this article!

Key Takeaways

Introduction: How Germans Would Invest 100.000€

In the summer of 2022, Statista asked around 1.000 Germans how they would invest 100.000€. Although 36% of Germans said they wouldn’t invest any of their money, the rest of the survey participants reported a variety of different investment options. If you’re looking for some investment inspiration, check out these six ways on how Germans would invest 100.000€.

32% Of Germans Would Invest 100.000€ In Pensions and Crypto

It is surprising that 32% of the respondents in this study expressed interest in investing in both pensions and cryptocurrencies, considering how different their risk profiles are. While pensions are typically seen as a safe investment option that offers consistent returns over the long term, cryptocurrencies are known to be highly volatile, making them one of the riskiest investment options around.

Pensions offer a reliable source of income in retirement, while the prospect of potentially high returns on cryptocurrency investments are tempting for some investors. However, it should be noted that investing in cryptocurrencies requires a deep understanding of the market and carries significant risks that may not be suitable for all investors.

On the other hand, retirement investing offers a number of benefits, including tax advantages and the ability to invest in ETFs. Investing in ETFs through a pension plan can be a profitable way to legally lower your tax rate while diversifying your portfolio. In addition, pension plans often come with lower management fees and provide a reliable source of income in retirement, making them an attractive option for investors.

38% Of Germans Would Invest 100.000€ In Bonds

We as PerFinEx are not the biggest fans of bonds at the moment. After last year’s interest rate increases, you can get a better return from high-yield savings accounts. Although these savings accounts used to return almost 0% interest in previous years, they currently return around 2%, and fixed-term savings accounts return up to 4%!

High-yield savings accounts have virtually no risk because they are insured by European governments, yet they still return consistent interest. Incredible! 

Click here to check out the best savings account in Europe, and here for the best fixed-term savings account in Europe.

Best Flexible savings Account

Best Fixed-Term savings Account

40% Of Germans Would Invest 100.000€ In Precious Metals

Precious metals include gold and silver, among others. However, an ounce of gold isn’t accruing interest – it’s just sitting around doing nothing. While it could increase in price, it could also decrease, so it’s likely not the best investment option if you want steady returns.

45% Of Germans Would Invest 100.000€ In Real Estate

Purchasing real estate can be a significant investment, but it’s essential to recognize that you may not receive a positive cash flow right away. There are a variety of costs associated with buying property, including the cost of the property itself, closing costs, and other expenses that can make it difficult to generate income immediately. However, despite these initial costs, investing in real estate can provide an excellent return on investment over the long term.

One of the primary advantages of investing in real estate is that it provides a stable source of income that can last for years to come. While it may take some time to start generating a positive cash flow, owning property is an excellent long-term investment that can provide consistent returns for many years. Whether you’re renting out a property or using other real estate investing strategies, real estate has the potential to be an excellent source of income and wealth.

It’s worth noting that while mortgage rates have increased in recent years, investing in real estate remains an attractive investment option. Real estate is one of the few investments that can provide a reliable income stream while also providing significant capital appreciation over time. Moreover, the fact that people will always need a place to live ensures that real estate remains a stable investment that can withstand the test of time.

54% Of Germans Would “Invest” 100.000€ In A Bank Account


Putting your money in a standard bank account does nothing to grow your wealth, so it’s a stretch even to classify this as an “investment.” Essentially, when your money is in the bank, it just sits there! 

Of course, you want to keep an emergency fund in the bank, but you shouldn’t put all your income towards saving – investing is just as important! While some bank accounts return around 1% to 2% while getting you a 100€ bonus (if you use our best bank calculator), you still need to invest some of your money in other options that yield higher returns.

57% Of Germans Would Invest 100.000€ In Stocks, ETFs, or Mutual Funds

All of these options are excellent! If your goal is to invest in stocks, ETFs, or mutual funds and you need assistance in selecting a broker, consider using our Best Investment Account in Germany Calculator. This tool is designed to assist you in finding the ideal option based on your individual circumstances. With some of the brokers, you can actually get a bonus by signing up for them.

If you find yourself without the time, knowledge, or inclination to invest independently, you can consider joining the PerFinEx Community Investing program. This unique initiative offers a variety of benefits if you want to invest your money but lack the expertise or time to do so yourself.

The PerFinEx Community Investing program offers a supportive community of like-minded people who invest together to achieve higher returns and minimize risk. It’s user-friendly, accessible to everyone, and offers diversification across a range of assets, including stocks, bonds, and real estate.

How Should You Invest 100.000€?

If you need help figuring out the investment options that are best for you, book a free meeting with us today to improve your financial future.

Between real estate to ETFs, German investment options are limitless! No matter what you decide to invest in, make sure to diversify your investments. Investing in several different options is critical to investment success! 

Remember that you should always invest based on your individual goals, so think carefully about what you want to achieve with your money before investing.

5 thoughts on “How Germans Would Invest 100.000€”

  1. Pingback: Magic Triangle of Investing - How to Invest in Germany

  2. Pingback: 3 Ways To Earn Passive Income In Germany - By PerFinEx

  3. Pingback: 5 To Do's Against High Inflation - PerFinEx's advice

  4. Pingback: How to invest 25.000€?

  5. Pingback: ETF Investing Mistakes - Avoid These 10 When Buying ETFs

Leave a Comment

Your email address will not be published. Required fields are marked *

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

The reCAPTCHA verification period has expired. Please reload the page.