It's been a while ago that the first time an online broker in Germany, offering new customers the facility of a daily allowance account. The conditions sounded convincing: Daily availability of deposits and returns that are comparable to the one-year time deposit is. What was then in the course of acquiring new customers, first used as a lure, has begun in recent years, a real triumph of the portfolio of German investors.
Was it at the time and hardly predictable, but there is no real surprise dar. Look to the investors and in economic terms, rational individual, soon turns out that a Savings Account is an ideal investment. Optimality is guaranteed if one is reached by besti
Assuming that the investor performs a Savings Account Comparison and then maintains a business relationship with a cheap player, it will most likely make an optimal investment. On the security level that a money market account guaranteed with the status as a bank deposit, and in the short period of commitment (in principle, no) is in fact no better investment alternative available.
result provides the daily allowance not only as a parking lot for nest egg. In the interest portion of a depot, it can - at least for the present, of a flat yield marked market conditions - Take the lead.
allowance pays no worse than many fixed-income securities, but is advantageous in terms of the issuer risk. In addition, fall for such an account either at the opening of yet in the subsequent maintenance fees. Flexibility is also hard to beat.
There is therefore no reason to invest a substantial portion of the portfolio in cash benefit. Should the market conditions in terms of interest rates, or change the competitive pressure among banks may be in doubt at any time shifted.
What once seemed a publicity stunt on the market, has established itself as its own investment style.