In this article we show how, with the right knowledge about equity funds + ETFs (stock indices) you have a very high chance of building substantial wealth.

With the blog post "How to get rich with €50 per month?" we demonstrated the long-term effects of compound interest.
There is a very significant difference after several years whether equity funds or ETFs only achieve 6% or 16% in average annual performance.

How high have the performances of important stock indices been over the past 5 + 10 years (as of 30.7.2020)?

Stock index5 years10 years
Dax10 %101 %
MDAX31 %219 %
SDAX34 %189 %
TecDAX70 %291 %
MSCI World Information Technology165 %446 %
NASDAQ 100133 %473 %
Source: Onvista.de

Goal: invest money for retirement, ... with high returns at an acceptable risk. For some investors, ETFs or funds that do not achieve at least 50 % in value increase after 5 years are uninteresting.

According to your own risk assessment, you can invest your sum of money (one-off or monthly) in various equity funds and ETFs.

The best equity funds and ETFs of the last 5 years, which for example track the above stock indices, can be found in the next article on investing (retirement provision).

Recommendation: An inexpensive paid but really very good and clear aid is offered by Stiftung Warentest with their "risk-return diagram". You should subscribe to the paid access for at least 1 month. Cancel it when you no longer need it. The prices on Stiftung Warentest may be 1–3 months old. Reason: several items are checked, therefore up-to-date prices may not be available every month. Please search the internet for current prices.

Note: Past increases in value are no guarantee of future performance. We receive no commission/compensation from the companies mentioned here.