Can a student invest in stocks?

How to invest money Savings plan as a student

At the latest when you have moved out and take care of your own household, sooner or later you have to deal with your own financial resources. In order not to ask your parents for a cash injection every month, you should always be aware of your income and expenses. This includes: How much money do I have available per month? Can I apply for BAföG? Do I have time for a part-time job? What do I spend on food and drink?

These questions are especially important because only if your If you have more money available than you spend, you can build up reserves at all. Reserves play an important role in investing because whoever invests cannot access the money directly. For this reason, before you even think about investing, it is necessary to build up reserves.

You should always have an emergency nail ready for bad times. Usually one speaks of approx. 2-3 monthly salariesor so much money that you can cover your current expenses for 2-3 months without income. Those who invest before building up their reserves run the risk of high losses, as the investment may have to be sold at a poor price because the money for rent or the like. is missing.

If sufficient reserves have been built up, you can start investing.

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What does investing mean?

Everyone does invest money: a new television, a laptop or a flower vase are, if you want to be more precise, investments. Every article or object that serves something can be described as an investment for something.

In general usage, however, the term is more likely to have long-term asset accumulationPut the same: If I invest money, I would like to receive a higher amount after a certain period of time.

There are many ways of investing money. You can invest in real estate, stocks, gold, collector's items or the like. invest.

Each type of investment has different advantages and disadvantages, risk specifications and investment horizons ranging from several months to decades. For this reason, how to invest money is a question that most people put into the background for the time being, as the answer usually requires a lot of personal initiative. One variant that experts consider to be one of the best investments is investing in a securities savings plan. It doesn't take more than one for this depotat a bank that saves on one Savings planto offer.

How safe is it to invest money? With a savings plan!

The savings plan is an umbrella term for depositing regular amounts of money. Withdrawing € 50 a month that you stow away at home can be a savings plan. Since you want to increase your money, as a rule Save funds, stocks or ETFst.

Such a savings plan offers something special People with little financial means, the opportunity to benefit from the stock market. Instead of trading speculatively with a lot of capital, the savings plan, if carried out over decades, enables high interest rates at a relatively low risk.

Important:This is it NOTabout a contract (!). You decide how much, at what point in time, when and which security is bought, without any contractual obligations.

Understand how the savings plan works

To understand how investing money with a savings plan works, we must first take a closer look at the economic principle behind it.

Tip:In the article stock exchange for beginners from sparplan you will receive a detailed introduction to investing with a savings plan.

1. Problems of the stock market

The easiest and most profitable way to make money on the stock market with stock trading is to buy a stock cheaply and then sell it at a higher price. Every shareholder speculates on the growth of the respective securities.In reality, this growth is not linear, but is characterized by a constant up and down in the form of Business cycles. An economic boom is inevitably followed by an economic crisis. Economic fluctuations are normal and always offer the opportunity to get involved cheaply.

Last but not least, nobody can determine exactly when a crisis will come. The stock market is unpredictable. However, it is clear that the stock market is rising. Building on previous knowledge, new investment potentials are revealed in times of crisis, whereby new technologies etc. can be developed. Historically, the economy has gone through dozens of crises, all of which have been overcome.

Investing in the stock market is not about finding the right entry, but rather that Overcoming fluctuations and thinking long-term over a long period of 10 or more years. Wanting to make price gains quickly with stock trading is risky and is more like a game of chance than thoughtful investing.

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2. Keyword diversification

In the long term, although the global economy is rising, it is not guaranteed that individual companies will grow permanently. Especially in times of startups, nobody can determine exactly how long a company will be in the stock market.

That's why you spread your investments across several industries.One speaks of diversification. One's rate losses can be offset by the other's profits. The result is an average value and the risk is distributed.

3. Diversify with funds and ETFs

You can think of an equity fund as a pool of money. The fund manager uses the deposited amounts to actively determine which value is bought or sold. In contrast to the purchase of individual shares, one benefits from the Fund manager experienceas well as the partly broad diversificationdepending on the respective fund. Because of the active management, in part high subscription fees and management feesdue.

The inexpensive alternative to equity funds are ETFs.An exchange traded fund (ETF) is a passively managed fund that tracks an index, such as B. the German leading index DAX or Dow Jones. An index is always formed according to certain criteria and reflects a certain industry. For example, the DAX represents the 30 best German stock corporations. The list is regularly determined on the basis of several criteria.

Since an ETF passively replicates the creation of an index, you benefit from the active maintenance of the actual index without paying a lot of fees. With an ETF, there are no typical sales charges.Administrative costs are also often in the zero point range and only indirectly affect profits.

There is an ETF for practically every index. Depending on the focus, the diversification is very high. An ETF on the MSCI World Index forms z. B. the performance of the 23 largest industrialized countries. The spread of over 1000 stocks is therefore very large, with the fees being kept very low.

4. Savings plan: cost-average effect & compound interest

The savings plan is only just becoming attractive due to the compound interest effect and the cost average effect.

Because of the monthly savings, a fortune is built up steadily. The Any interest gained will ultimately continue to earn interestso that the compound interest effect is profitable. Furthermore, the greatest advantage is the cost-average effect. Since buying is made at regular intervals in highs and lows, an average value is created.This makes the timing of getting into the stock market at the right moment irrelevant. The result is a lower risk investment.

Why start a savings plan as early as possible?

After all, the greatest advantage of being a student is that Time advantage. Because if you ask yourself how to invest early, you will benefit to the full from the compound interest effect. The savings plan is an optimal middle ground to compensate for price fluctuations and to benefit from the cost-average effect.A calculation example for this:

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Savings plan calculation example

Let's say a person saves 50 euros per month and receives around 6% annual interest on his MSCI World ETF without including the order fees. After 10 years, this person would have a total credit of 8,165.50 euros.

A person who now invests three years later would now have to pay a monthly amount of 78.51 euros under the same conditions in order to achieve the same total credit.

This calculation example shows that if the entry is delayed, the savings rate must automatically be higher so that the same final amount can be achieved. Entry into the stock market early can therefore be worthwhile.

How much do you save each month?

That depends entirely on your own preferences. Basically you can Save from € 25 a month. Custody account providers such as comdirect or consorsbank are particularly suitable for this.

On the other hand, most providers offer a savings plan from € 50 per month. The best providers can be found well sorted at The website compares all deposit providers and explains how investing money with a savings plan works.


The topic of how to invest money is a very broad field. In addition, the investment opportunities are so diverse that it can initially overwhelm a beginner. However, promises Investing in a securities savings plan is a safe, long-term investmentto be. If you want to continue to deal with the topic of savings plan, a look at is recommended. With experience reports and information about savings plans, the website is the first port of call when it comes to comparing savings plan offers.

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Image source: Many thanks to geralt for the cover picture (© geralt /

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