US News savers in crisis mode: checking account and passbook Popular

06:40  26 october  2021
06:40  26 october  2021 Source:   de.euronews.com

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Saving is announced in the Corona Pandemic. Although the interest rate wave at higher inflation on saved, bunkers people's money on the checking account, mickeric interest savings accounts or at home.

Fast jeder zweite Sparer in Deutschland nutzt ein klassisches Sparbuch. © Picture Alliance / Daniel Karmann / DPA Almost every second saver in Germany uses a classic passbook.

According to DZ BANK calculations, the cash assets of private households from bank deposits, pension papers such as bonds, pension papers in funds and insurance companies in the amount of approximately 5.1 trillion euros this year will lose more than 116 billion euros. That's averaging around 1400 euros per capita.

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because of the restrictions in the pandemic many people could not spend their money in the usual dimensions. Travel were canceled, the temporary closure of restaurants and stores slowed consumption. According to a Postbank survey, 79.8 percent of people in Germany are currently saving. More were it last in 2016 at 80.4 percent.

"Through inflation, money gradually loses value and especially when it is located on undisturbed accounts or even kept at home," explained Karsten Rusch, expert for securities at Postbank. Each third saver does not know this context. "In the low interest rate environment you will not be over at a plant in equities and funds if you want to achieve an inflation compensation," said Rusch.

Nevertheless, checking accounts and classic savings account are so popular as never since the first post tank survey in 2011. Currently parking 62.5 percent of savers money on the undersiest checking account. Ten years ago, it was only 38.2 percent. Almost every second saver uses a classic passbook, also a high.

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Tagesgage Accounts Just as popular

Also, the popularity of overnight money accounts has risen the survey, although more and more credit institutions have to pass the negative interest that they have to pay for the money parking in the European Central Bank (ECB) here completely or partly. Accordingly, 37 percent of savers arrest money on the call money account (2011: 25.7 percent / 2020: 20.1 percent). More than 30 percent bunker money at home (2011: 20.7 percent / 2020: 20.6 percent). Multiple answers were possible.

also a YouGov survey on behalf of the Comparative Portal Check24 comes to the conclusion that in the course of the pandemic, especially the investment on the checking account and in the form of cash has risen - even for larger sums. Accordingly, 34 percent of surveyed consumers assessed more than 5,000 euros on the checking account or in the form of cash bunkers. At four percent, it was even more than 50,000 euros.

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Germans are considered Stock Exchange

Although the savers applicable as rather stock exchanges in Germany are increasingly investing in equities and funds. A good 31 percent stated at the Postbank survey, also to set securities (2011: 17.3 percent / 2020: 29.9 percent). According to calculations of DZ BANK, shares made despite strong price gains in the first half of the year and, however, expanded just 8.7 percent of private funds.

While inflation is likely to fall again after assessment of economists in the first half of 2022. Finally, for the first time, she had been rising again for almost 28 years in Germany over the 4 percent mark, also because of special factors such as the introduction of CO2 levy at the beginning of the year. However, according to the estimation of DZ Bank expert, Michael Stappel can only be expected in the long term.

So pay the German online .
more and more people are going to go to shop hardly from the house, but do their shopping comfortably by mouse click from home. In online payment studies and surveys, the terms of payment methods among customers and dealers are most popular. © Provided by finanzen.net MTKANG / Shutterstock.com So pay the German online shoppers under online shoppers include the payment methods "Purchase on account", PayPal , direct debit and credit card to the most popular payment methods.

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