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Wealth accumulation is the systematic process of creating financial reserves and value.
To do this, you regularly invest money, e.g. in shares, bonds, gold or real estate. The aim is to increase your capital over time for financial security and/or retirement provision.

Good assets secure your financial independence and cover emergencies, retirement provision and major wishes. What is considered “good” depends on your individual standard of living, age and income. Three to five times your annual net income is often considered a solid basis. The earlier you start, the easier it is to achieve this goal.

You should invest at least 10 to 20 % of your assets. It is important to build up a sufficient liquidity buffer beforehand – ideally three to six months’ expenditure. This means that you don’t have to access the invested capital directly in the event of unexpected expenses. The investment then really serves to build up assets and not as a nest egg.

Building up assets, e.g. with the help of asset management, creates financial freedom, protects against crises and secures your standard of living in the long term. With solid assets, you are less dependent on salary, pension gaps or state benefits. You actively shape your future in a self-determined way.

Investment means using capital in a targeted manner in order to preserve or increase it over time. In contrast to pure saving, asset investment pursues effective long-term wealth accumulation. By investing in shares, bonds, gold or real estate, an attractive return is achieved in the long term – taking into account the corresponding risks. The decisive factor here is not the product, but the quality and structure of the overall portfolio.

Invest in valuable, well-analyzed securities that fit your personal strategy. A structured approach that takes into account your need for security, your stage in life and your objectives is important. Instead of trend products or standard solutions, you need individual, responsibly managed investment solutions.

There is no such thing as an absolutely crisis-proof investment – every investment has certain risks.
However, tangible assets such as gold, real estate or short-term government bonds from economically stable countries are considered comparatively stable.
Even more important than a single “safe” investment is broad diversification in order to spread the risk across different asset classes.

The best way to invest your money is with a clear strategy, regular monitoring and professional support. A well thought-out asset structure with asset values tailored to your goals is the basis for this. If you invest selectively, you are speculating – but if you invest strategically, you are building up long-term assets.

The best tangible assets are characterized by value retention, inflation protection and long-term stability. These include investments in solid companies, real estate or selected commodities – provided they are part of a structured portfolio. It is not the individual tangible asset that is important, but its function in the overall concept of your investment.