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Since ETFs already include a certain level of diversification, they indeed average out the risk. But this does not mean that it is impossible to lose money with them. ETF’s often follow indices (a basket of stocks such as the DAX) and the value of these stocks do fluctuate over time based on market sentiment.
At Horizon65 we can help you to invest in ETF’s while also optimizing your tax-deductions so that you can either get more net or invest more money to secure your future.
You can check if this investments work for you by using our mobile app. Our mobile app also covers other investments such as real-estate, company pensions and precious metals.
If you want a truly personalized offer you can also directly get in touch with our experts and understand if you qualify for tax-efficient investing.