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Time of crisis: How to properly secure your assets!
In times of economic uncertainty, we provide information about safe investments, deposit protection and financial strategies in Germany.
Time of crisis: How to properly secure your assets!
In Germany, legal regulations protect consumers' savings, which is of central importance in times of political and economic uncertainty. According to a recent report by Ruhr24 The savings rate will be 11.5 percent in 2024, which will only reach the values during the pandemic. However, economist Michael Stappel warns against accumulating too much credit in accounts, as this can lead to a loss of value.
The Sparkasse recommends creating a financial cushion of at least two to three net monthly salaries. With a net salary of 3,000 euros, there should be between 6,000 and 9,000 euros in the checking account. The statutory deposit insurance in Germany protects deposits of up to 100,000 euros per customer and bank. For joint accounts, such as those for married couples, up to 200,000 euros are insured.
Deposit protection details
In the event of bank insolvency, the state protects deposits of up to 100,000 euros, although higher claims must be asserted in the insolvency proceedings, which entails a risk of losses. According to the Deposit Insurance Act (EinSiG), the claim to compensation is generally limited to 100,000 euros, but may be limited in certain cases, such as: B. for amounts that are not paid out regularly, up to 500,000 euros.
The statutory deposit insurance in Germany, which has been in force since 2011, stipulates that customers can access their money within seven working days in the event of the bank's insolvency Savings account reported. In addition, the 10% deductible was abolished. Financing comes from bank membership fees, not taxpayers' money, and the German state made a promise to provide full security during the financial crisis.
- Ab dem 1. Januar 2025 wird die zusätzliche Absicherung für private Sparer von 15% des Bankkapitals auf 8,75% reduziert.
- Die Deckelung der Sicherungsbeträge sieht vor, dass ab dem 1. Januar 2025 nur noch 3 Millionen Euro für private Sparer und 30 Millionen Euro für Unternehmen gesichert sind.