Möchte gerne einen relativ grossen Teil meines Girokontos etwa 20.000.- DM auf einem euro-geldmarktfonds parken. wie volatil sind diese dinger?

lentas

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>Möchte gerne einen relativ grossen Teil meines Girokontos etwa 20.000.- DM auf einem euro-geldmarktfonds parken. wie volatil sind diese dinger?
>lentas

Überhaupt nicht volatil, Einbahnstraße aufwärts mit ein paar Prozeht p.a.
Aber Gebhren beachten, evtl. besser direkt Festgeld.


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Servus Jükü,
diverse Dollargeldmarktfonds hatten im letzten Jahr eine Performance von 13%. Im Falle eines Dollarsturzes kann man das aber vergessen.
Vielleicht eine Aufteilung des Geldes auf mehrere Fonds - Ausgabeaufschlag hier bei meinem Broker bei 0%, also wegen der Spesen wäre es nicht...

lentas

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>Servus Jükü,
>diverse Dollargeldmarktfonds hatten im letzten Jahr eine Performance von 13%. Im Falle eines Dollarsturzes kann man das aber vergessen.
>Vielleicht eine Aufteilung des Geldes auf mehrere Fonds - Ausgabeaufschlag hier bei meinem Broker bei 0%, also wegen der Spesen wäre es nicht...
>lentas

Währungs-Geldmarktfonds sind spekulativ (Kursrisiko), aber wenn schon, dann CHF nicht vergessen.

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www.biallo.de

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Anbei ein OCR-Scan aus Mandels Buch"The Coming Internet Depression", S. 116ff. Ich habe es gerade nochmal gelesen und ich muss sagen, dafuer dass es Anfang 2000 rausgekommen ist hat er die Geschehnisse in der Zeit seitdem sehr gut vorausgesehen:

THE DEBT CRISIS

Obviously, when faced with a steep market decline, many investors are tempted to retreat and move their money into bonds and money market funds. Will these investments be a safe haven from the storm?

It depends. Obviously the financial markets are sounder and more stable than they were in 1929. Virtually every aspect of the financial system is better controlled and better regulated. For example, federal insurance of all bank deposits below a certain size has virtually eliminated bank panics. The banks are well capitalized, and the supervision of the SEC and other regulatory bodies makes the financial system more transparent and prevents many problems before they occur.

Perhaps most important, the Federal Reserve has come to understand, as it did not in 1929 and the early 1930s, that it has a key role as the"lender of last resort" when the financial system seems about to become unhinged. In this role, the Fed quickly steps forward, as it did after the 1987 crash and the 1998 financial crisis, to reassure the markets that funds will be available for financial institutions if needed.

The implication is that in a short tech downturn, bonds and money market funds should be quite safe.

Nevertheless, there are two caveats. First, as the economy slows and the rate of innovation drops off, there will be pressure on corporations to raise prices. If the Fed keeps interest rates high in response to this"suppressed" inflation, it could be the worst of all worlds for bonds-higher inflation and rising rates.

Moreover, the buildup of private-sector debt in recent years is a sword of Damocles hanging over investors that could drop if the Internet Depression gets bad enough. The key to understanding the potential debt crisis is to realize that banks-which are protected by deposit insurance-have become much less important for borrowing and lending. In the 1960s and 1970s, banks were able to raise money with low and no-interest savings and checking accounts, made attractive because the deposits were insured by the Federal Deposit Insurance Corporation, and then lend those funds out in the form of business loans, mortgages, and consumer installment debt.

Banks still make loans and issue credit cards. But instead of funding their lending out of their own resources, banks and other financial institutions are securitizing them-repackaging their loans and either selling them to another financial institution or as a package to investors. For mortgages and consumer credit, the impact of securitization is enormous. This is a real change in the way America finances its homes and businesses, and in many ways it is a positive one. Indirectly, it enables businesses and consumers to tap into the entire capital market, which gives them more access to cheaper credit. And because issuers can diversify, they are at less risk, and so can offer lower rates to more people.

Moreover, the combination of banks and capital markets provides two avenues through which credit can flow, making the financial system more resistant to problems. In the early 1990s, the U.S. went through a"credit crunch" in which many of the biggest banks, near insolvency from big real estate losses, had throttled back on lending. But the capital markets did not shut down. Indeed, corporations were able to keep raising money by issuing corporate bonds. On the other hand, in the fall of 1998, many of the global capital markets froze in the aftermath of Russia's default and the collapse of the hedge fund Long-Term Capital Management, but the banks were able to keep lending. The more money can pass back and forth between these two channels for lending, the less likely such freezes become.

But while securitization has enabled financial institutions to lend more freely, it has also made them much more dependent on the willingness of investors to absorb the debt. Banks no longer lend out the deposits that they have on hand-they have to get other people to invest in them. This system has never been stress-tested by the kind of deep downturn that would make investor capital dry up.

The biggest danger to the mortgage market would be a steep fall in the price of homes. Unfortunately, that seems highly likely if and when the Internet Depression arrives. Real estate prices have soared in the past few years, led by Silicon Valley, where the price of a home has skyrocketed beyond belief. The demand for these houses is being driven by the growth of precisely those industries that will be hit hardest by the Internet Depression. If prices collapse, it will become a lot harder to place mortgage securities, driving up mortgage rates, which will drive the home market down even farther.

In the worst-case scenario, we would start seeing defaults in money market mutual funds, which are presumed safe. A large portion of the return on money market funds comes from their holdings of mortgage securities and asset-backed securities tied to credit card debt. But if the economy slips deep enough, such securities will become quite risky.


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... und bei der DHB Bank (türkische Bank mit Stammsitz in Rotterdam) einen
Festgeld-Zinssatz von 5,15 % p.a. gefunden. Nach telefonischer Auskunft der Filiale in Kassel fallen keine Kontogebühren an.
Würden Sie einer solchen Bank als >Zwischenlagerung> einen Betrag von
DM 40.000,- anvertrauen?

PS: ich lese seit einer Weile im Forum mit, bin aber kein Wirtschaftsfachmann. Ich möchte an dieser Stelle einmal sagen, dass ich Ihre Beiträge höchst interessant und lehrreich finde und mich dafür bedanke, wie außerordentlich fair Sie miteinander umgehen.
Es wäre schön, eine Antwort zu erhalten...
und Allen ein Frohes Osterfest
D.


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Hallo Diadem,

wenn 40.000DM Dein ganzen Geld sind, dann wuerde ich es nicht dort hinbringen sondern bei einer deutschen Bank (bieten dann auch weniger Zins) ins Tagesgeld einlegen.
Wenn dieser Betrag allerdings nicht mehr als 10% Deines Gesamtguthaben darstellen, dann koennte man es riskieren, aber nur, wenn die Bank dem deutschen"Feuerwehrfonds" angehoert.

Gruss, obelix

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>Hallo Diadem,
>wenn 40.000DM Dein ganzen Geld sind, dann wuerde ich es nicht dort hinbringen sondern bei einer deutschen Bank (bieten dann auch weniger Zins) ins Tagesgeld einlegen.
>Wenn dieser Betrag allerdings nicht mehr als 10% Deines Gesamtguthaben darstellen, dann koennte man es riskieren, aber nur, wenn die Bank dem deutschen"Feuerwehrfonds" angehoert.
>Gruss, obelix


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Ich bin froh Deine Meinung zu lesen.
Bis 40.000,- wäre das Geld ´bei dieser Bank abgesichert, aber ich hatte auch schon Bedenken und zögerte.
Ich bin in meinen Ãœberlegungen nun etwas gefestigter.... ;-)
Gruss
D.


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.. herzlichen Dank für die Zustimmenden Antwort.
Gruss
D.

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