Top investment 2022: Where is the money optimally invested?

For years, the low-interest phase has been pushing down interest rates for traditional, safe financial investments – and there is no end in sight. Consumers who want to prevent their savings in their accounts from losing value due to inflation must therefore continue to look at alternatives in 2022.

Together with the experts from VAIDOO, we have compiled the top investments for the year 2022.

There is no such thing as the one best investment. Rather, a successful investment represents a mix of safe and return-oriented options. Interested parties should therefore examine various equity funds for their capital investment strategy. After all, a well-mixed, managed fund can still generate a noteworthy return in 2022. Passively managed index funds or ETFs are somewhat more favorable in terms of cost structure, and no one should do without them in their financial investments.

When looking for a first-class investment in 2022, the following generally applies: To save up a nest egg, overnight money and fixed-term deposits are a very safe option, but only pay low interest. In contrast, other forms of investment such as individual shares are designed to generate high returns.

However, the risk of speculating one’s assets is comparatively high. Accordingly, only a small proportion should flow into these investments. The same applies to corporate bonds, for example via crowdinvesting.

The classic asset gold will probably also be part of a successful investment strategy in 2022. However, like other commodities, it does not generate any regular income, for example in the form of dividends. Investors rely solely on future price increases.


Investors should not rely on just one investment to build up their assets, but should spread their money over several investments. A well-positioned and successful portfolio is built, for example, on a mix of overnight and fixed-term deposits as well as equity funds.

How can consumers invest their money properly?

First of all, debt reduction comes before investing. This is also stipulated in the basic rules for investing money, which the financial services regulator BaFin has set out in an information brochure.

Once potential investors are debt-free, these are the next steps:

  1. Make an overview of assets and find out how much money is freely available.
  2. Determine investment goals (e.g., for retirement, to provide for children, for real estate).
  3. Determine various forms of investment in order to spread the risk of loss. The principle of “putting all your eggs in one basket” is bad advice when it comes to investing.
  4. Find the right investment

To avoid a total loss, it is important to build your investment on several pillars. The past shows, for example, that funds with an investment horizon of at least 15 years have often developed positively. But no one can look into the future. Smart investors are aware of their risk and therefore diversify their investments. Part of the capital should therefore be invested safely, for example in fixed-term deposits.

What are the options for investing money?

Germans, for example, stash around 150 billion euros in cash, or the equivalent of 1,800 euros per person, within their own four walls, says Achim Wilms of VAIDOO. Many German citizens thus refrain from investing their money profitably every year. In fact, the opposite happens: Inflation causes their savings to lose value.

If consumers decide to invest their money in a capital investment, a safe investment is important to many of them. After all, it’s their savings that are at stake.

Call money and time deposits are considered particularly safe. This is because these investments are covered by the European deposit guarantee scheme. Savings amounts of up to 100,000 euros are protected. Should a bank within the European Union become insolvent, savers can rest assured that their assets will not be lost.

Call money

A call money account is aimed at savers who are looking for a short-term, flexible investment. They can withdraw money from this account at any time. In addition, in the event of the bank’s insolvency, the savings are protected by the deposit guarantee of up to 100,000 euros. Savers can also cancel call money accounts at any time.

However, these advantages come at the expense of returns. In the low-interest phase, interest rates barely exceed the 0.05 percent mark for an amount of 5,000 euros, for example.

Fixed Deposit

The time deposit account is also known as a term deposit. With this form of investment, which is also very secure, savers invest their money for a specific period at a fixed interest rate. Unlike overnight deposits, time deposits cannot be cancelled at any time. Therefore, investors should only invest the capital that they can do without in the long term.

During the low-interest phase, interest rates on time deposits vary between 0.2 and 1.35 percent, depending on the provider and term. Interested parties can find more information on the fixed-term deposit topic page.

The interest rates on safe investments therefore leave much to be desired. The focus is therefore on high-yield products. Here, investors generally increase their capital over a long investment period. In the case of funds, a period of at least 15 years is often recommended.

On the other hand, those who are looking for quick profits are moving into the area of speculative investments. Consumers should only “gamble” with money they can spare. Because the loss risk is like the net yield chance very high. Speculative transactions are often characterized by a short investment period. They include:

  • Warrants
  • Knock-out certificates
  • Leverage ETF
  • Bet on positive or negative price development of stocks, indices, commodities and currencies

What types of investments are there? Consider flexibility, return and risk

To find the right investment, investors must first determine,

  • how much wealth they have available
  • how long they can do without it, if necessary
  • what the savings goal is behind the investment
  • how often savers want to look after their investment, and
  • how much risk they want to take on with the investment.

As a rule:

No investment offers investors both high security and maximum returns as well as constant access to the invested assets. If, for example, consumers attach importance to high interest rates and rapid availability of capital, they must at the same time reckon with a high risk of losing some or all of their money. In contrast, profitable and secure investments are structured in such a way that savers do not have access to their savings for a long period of time.

Is it safe to invest money online?

Many things can now be done online, including investing money. In order to distinguish between reputable and dubious providers, the financial supervisory authority BaFin provides some important tips. If unusually high interest rates are promised, for example, caution is advised. The same applies if it is not clear how and when investors will get their capital back.

Which forms of investment are suitable for short-, medium- and long-term financial investment?

Depending on how long interested parties can do without their invested capital, different types of investments are suitable. A look at the goal of the investment (i.e. how much capital should be saved after a certain period of time) also determines the optimal form of investment.

How do I invest my money for …

3 months

If you want to invest your money for three months in the short term, it’s hard to find a lucrative investment. Stocks, for example, which offer yield opportunities, are not suitable because investors cannot ride out price fluctuations in the short period of three months. The focus therefore shifts to safe investments such as overnight money.

6 months

Similar to a three-month investment, an overnight deposit account is recommended for a six-month period. Since investors only put their money to work for a short period, interested parties should look out for special offers from the banks, such as bonuses when opening an account.

1 year

For an investment of one year or twelve months, the compound interest effect becomes more relevant than for shorter investment periods. Particularly in the case of overnight money, interest payments that occur every three months can increase the capital. However, there are only a few banks that pay significant interest on a quarterly basis.

15 months

If investors can do without their invested money for 15 months, a time deposit or fixed-term deposit is a suitable investment. Compared to a call account, consumers cannot access their capital during this period. In return, the interest rate is fixed in advance and is often higher.

2 years

For a medium-term investment of two years, investment forms such as stocks, funds, commodities, derivatives as well as government and corporate bonds become interesting in addition to overnight money and fixed-term deposits. The decisive factor for investment success is that the selected investment mix has a balanced risk-reward ratio.

3 years

If investors want to access their invested assets at any time, investments such as a call money account and stocks or stock funds are suitable for a period of three years. While the former offer a high degree of security, the risk of loss is greater with securities. However, a higher return is also possible.

For a fixed term, on the other hand, investment forms such as crowdinvesting and fixed-term deposits are interesting.

4 years

With every investment, the question of whether savers want to invest their capital in a low-risk or opportunity-oriented manner is central, and this also applies to a four-year investment. Low-risk investments include, for example, time deposits and overnight money. The risk of loss is moderate for open-end real estate funds. Closed-end funds, on the other hand, have a high risk.

5 years

In view of the long period of five years, investments that allow investors to ride out periods of weakness are suitable, such as individual stocks or funds of all kinds. Compared with traditional forms of investment, however, consumers must expect to receive less capital at the end of the investment period than they have invested. On the other hand, significantly better returns are possible.

6 years

Six years is a long time for capital to work divided among different types of investments. A successful investment strategy usually involves a good mix of safe, low-interest investments such as fixed-term deposits and forms geared to potential returns such as stock and index funds.

10 years

Ten years offers a good opportunity to generate a high return on invested assets. If a new car has to be purchased or a move is planned during this period, it makes sense not to invest all of the available assets on a fixed basis. If savers want to access their money in the short term, they should invest part of it in a call money account. The rest can be invested in stocks or index funds, for example.


There are many different ways that savers can invest their money. To ensure that they are satisfied with their investment in the long term, investors should first obtain comprehensive information about their options. It makes sense to seek advice not only from your bank, but also to obtain other offers.

It is also important to look at the costs. Actively managed funds, for example, are more expensive than funds that operate without an equity manager. The lower the costs for fund management, for example, the higher the return.

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