Musterdepot: This is how you practice the creation of shares
Ok, that's enough !, I thought a year ago. For a long time now I want to do "something with stocks", increase my money, but I do not know where to start. Because time is missing, because the topic seems so lifted. And, let's face it, because comparison portals, consultations and product tests completely overwhelm. I feel like a runner who has heard the shot but does not know where his starting position is - and who now errs to and fro while the others pass him by. The others, these are the experts who yell at me from my social media channels, wield the cudgel of old-age poverty and never tire of explaining how much my money is losing value on those drowsy accounts. So I start now, somewhere.
The great thing is: the stocks are real. Not my money.
First things first: I know that stock trading requires a deposit with a bank. Is like an account for stocks. So I google? Depot Test Comparison? and I'm tired of it now. The summary tables are endless. For branch banks, a deposit can cost up to 30 euros a year. It is free for online banks, but it dispenses with advice in human form. Here, too, you compare yourself to a wolf. Then there are fees per share purchase, sometimes five, sometimes 15, sometimes 30 euros. A flatrate is worth it, it is there, depending on which investment type you are. What do I know which investment type I am?
I want to bury my IPO already, as I read of the very pleasing But: The whole tables may first be completely ignored. You can also fake his entry into the stock market! With a test account quasi, a so-called sample depot, which you pull free and totally simple on the phone. There you can then look in "Monopoly" -Manier, how the shares develop in the real market, they buy and sell - completely without consequences. Because the money is not real. It's play money.
Genial !, I think google? and land at Onlinebank Onvista. I could also open the model deposit on the side of a branch bank, at other online banks or on media sites such as the stock exchange ARD or the "F.A.Z." The registration takes two minutes, I do not need a proof of identity, just my email address and a password. The first thing I have to do is give my depot a name: I type "Get me rich" and celebrate that I'm finally working on my inner hurdles with a small sledgehammer.
Only a few women in Germany own shares at all
This is also confirmed by Patricia Hoesch from the "Finanz-Heldinnen" initiative of Comdirect Bank. "They started to look at stocks, they wanted to give it a try, that was an important step you've already taken many women!" Because: The Germans are stock-muffle. In 2017, according to the statistics of the German Stock Institute, around 16 percent of the population owned shares or shares in equity funds; less than every sixth citizen. In the US, one in four owns securities, in the Netherlands even every third. In addition: Of the already few shareholders in this country, most are firstly: older (50+) and secondly: Gentlemen.
I click on the big loupe and should type in the search bar WKNs. These are the securities identification numbers, consisting of numbers and letters to distinguish stocks from each other. So I can enter either "Adidas" or "BMW" in the search mask or ergoogeln before the WKNs. If I have entered one, my app is then so nice to give me a graph, a so-called snapshot, as the stock has developed yesterday, last week, last month or the last few years. Then I just have to click on "buy".
So far, so easy. And then not again. Because which of the thousands of securities I should buy at all and above all how many, the program does not betray. I read in the book "Wealth is Woman's Suffix" by the business economist Katja Eckardt: Firstly, as a beginner you should try on a maximum of five companies at the same time, otherwise you lose the overview. And secondly, get only shares, in which woman also has emotional interest. Means: No matter how lucrative a plant is - if, for example, comes from a pharmaceutical manufacturer, but I am interested in zero pharmaceuticals, I will never get up to me to deal with its company forecasts.
For profit, the shares should remain for many years
So I decide for the following: With a further push of a button I let myself 2,500 € play money pay off (because I can imagine that actually saved), and buy three Facebook shares for each 144 €, five Zalando for each 41 euros, three Hasbro for 80 euros each, three Netflix shares for quite expensive 352 euros each and four times Home Depot for 133 euros each. Facebook and Netflix because I use both privately.The online mail order company Zalando and the toy manufacturer Hasbro, because I want to see if the Christmas business has a positive effect. And Home Depot is the largest US hardware store chain and is said to be one of the beneficiaries of Trump's presidency for repairing America's dilapidated roads.
One day after the "purchase" I make 50 Euro profit. Yes! Then 20 euros loss. In the coming weeks, I watch the ups and downs and look in the news for reasons: The Home Depot share sadly rises during the hurricane season - because people have to rebuild their homes. And Facebook crashes as their data scandal with Cambridge Analytica is known.
At least ten years, I read that again and again, should you leave shares if you want to make a profit. I make the first cash-down after six months: The Christmas sales has brought little, Hasbro is in the lows, Zalando is also unstable. So I'm throwing both of them out of my portfolio. At Hasbro I lose a total of 35 euros, at Zalando comes after all, a profit of 21 euros. The much bigger problem: Facebook and Netflix rush into the basement so much that for the first time I'm glad it's not my real money, which is decorated with a big minus in front of a red number.
You should always keep an eye on the depot!
But since I have a lot of money in both companies with a total of 1500 euros in the pot, I heed the rule of thumb: Do not sell too early, the crisis ausitzen. Yes, the stock market is fluctuating. The German stock index (ie the 30 largest listed companies, also called DAX) closed in 2018 with a minus of 18 percent. But those who have invested in the DAX for 20 years have at the end made an average return of nine percent, experts say. Financial crisis or not.
Another six months pass. The Aussitzen has brought the following: I'm with Netflix and Facebook together 400 euros in the minus. After all, there is a ray of hope: Home Depot rises and rises and I make a total of 80 euros profit. Tomfoolery? Not considering that 532 euros have become 612 euros. In a year! An increase of 15 percent. Which day money account can please keep up there? So I also let Home Depot continue. Let's see what else is possible.
As exciting as I find my "Monopoly" experiment, I also notice that over time I look less and less often into my depot and miss good buying or selling moments. No wonder beginners like me are not recommended to buy a single share. "So if single stocks, then you should also invest in parallel in other variants and, for example, for funds or ETFs decide that much more scatter," says Patricia Hoesch. This means that there are not just five but hundreds of companies in a portfolio. If one company moves away, the others can do that.
It is important that you know your destination
The good: I have finally dealt with it, hurdles removed, noted that even there is cooked only with water. You just have to start somewhere.
Still, how many stocks should I own in the real world? Is a fund better? And what if I have inherited and want to try me with a few thousand euros? "Who should buy how many shares, and what is the perfect initial sum - that varies from investor to investor." A blanket response will give you no one, "says Hoesch. Damn it. And she adds: "Your first question should be: what is your goal, do you want to invest for your pension over the long term, for the education of your children, over several decades, or if you want to invest a sum at short notice, which is a higher risk, but also so Depending on how your answer turns out, it may be advisable to use savings funds, sometimes individual stocks, sometimes a combination of both. "
I want all of it! I look at my app. "Create a depot today," it says. Just start, I think. And click on it.
