Your money in 2025: fixed-term deposits, overnight money or ETFs – which is better?

The investment environment in 2025 is dynamic and offers investors various strategies to choose from. Fixed-term deposits offer security, daily deposits offer flexibility, while ETFs are considered a long-term growth factor. The selection of the investment strategy is crucial for the long-term success of financial planning, such as finance.net reported.

Fixed-term deposit accounts guarantee interest over a fixed period of time, but often offer lower interest rates. Daily money accounts, on the other hand, allow daily access with variable interest rates that depend on the market situation. This form of investment is particularly suitable for security-oriented investors. Recommended daily money offers include:

• Consorsbank – 40 € Startprämie, 3,25 % Zinsen
• TF Bank – 3,20 % Zinsen
• comdirect – 2,75 % Zinsen

ETFs and alternative investment options

ETFs are cost-effective mutual funds that are traded on the stock market and offer diversification. This type of investment often has higher returns in the long term, but also carries a higher risk due to fluctuations in value. In addition, new trends such as peer-to-peer lending and cryptocurrencies are on the rise. Although cryptocurrencies are volatile, they are less suitable for short-term speculation.

The choice of investment strategy depends on individual risk tolerance, investment horizon and personal goals. Experts recommend a diversified investment strategy that includes both fixed-term deposits and ETFs geldarchitekt.de is confirmed.

Fixed-term deposits are considered safer than ETFs because they guarantee a fixed interest rate without market movements. In addition, fixed-term deposit accounts in the EU up to 100,000 euros are protected by statutory deposit insurance. Fixed-term deposits are therefore well suited for building a financial safety net, while ETFs can complement the growth-oriented portfolio.

Combining both forms of investment can create a balanced portfolio that combines security and growth potential.