Financial building made easy: Save Clever now!

Financial building made easy: Save Clever now!

On May 28, 2025, the challenges for savers in Austria show themselves particularly clearly. According to a report by Krone , interest rates decrease continuously on savings books. At the same time, individual shares are considered risky. Christoph Boschan, CEO of the Wiener Börse, presents three "golden rules" for investors to secure long -term stability and growth in wealth.

According to Boschan, it is possible with a monthly savings rate of 100 euros to build up a fortune of up to 100,000 euros over time. This strategy not only promotes financial growth, but also ensures a clear conscience, since the planning is based on long -term goals.

Effective saving and financial management

The question of how much you should save is often answered with the little concrete answer "as much as what is going on". This is criticized by Finanztip and instead recommended clear rules. A proven method is the 50-30-20 rule: 50% of the net income should be used for a living, 30% for leisure activities and 20% for saving.

Standing orders on a call money account and an ETF savings plan are safe ways to effectively implement the savings rate. These should be set up at the beginning of the month to make saving routine. An emergency hewn that covers at least three to six net monthly salaries is recommended before investing in long -term systems.

long -term investment perspectives

according to finance.de , the asset structure is a long -term process. Around 70% of Germans cover money, but only one fifth invests in structured systems. A wide -ranging investment strategy that includes stocks, bonds and real estate is essential for risk management.

experts advise a savings rate of at least 15 to 20 percent of the income. The compound interest effect plays a crucial role in wealth growth, and longer investment periods maximize this effect. In order to ensure effective retirement provision, inflation and psychological factors that influence investor behavior should also be considered.

The development of a tailor -made investment strategy that includes regular checks and adjustments is essential. Digital tools like Robo-Advisor can help ensure a clever financial management and make the right investment decisions.