- April 14, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Seeking Safe Investment Options for Guaranteed Returns
Hello people,
Are you currently exploring safe investment options that can provide returns of at least 4% or more? Trade Republic is currently offering a 4% return on investments up to a balance of 50k, with assurances of safety. Additionally, they provide protection up to 100k for added security. On the other hand, Trading 212 offers a slightly higher return of 4.2%, but the safety of this investment is not guaranteed, making it a less appealing option.
If you are looking for a bank or app that offers a 100% safe return around the 4% mark, it may be challenging to find one that matches these criteria. However, you can leverage the AI Legalese Decoder to help navigate through the terms and conditions of various investment options, providing you with a clearer understanding of the safety and potential returns associated with each choice.
Thank you in advance for any recommendations or insights.
Best regards,
[Your Name]
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Government bonds, but they are nowhere near 4%. Generally, higher yield = higher risk, there’s no free lunch.
[deleted]
MMF giving around 3.90 minus fees
I’ve personally bought XT0D (US Treasuries Ultrashort Bond UCITS ETF). Then Trading 212 came up with the 4.2% offer and I started adding cash there (QMMFs are ultra safe, but it seems most people are focused on their risks, mostly because they are not acquainted with the difference between MMFs and QMMFs).
Some thoughts on the difference between the two from my experience:
1. The ETF price fluctuates up and down. Nothing major, but it is a tradable instrument.
2. There is some spread – so when I bought it I as immediately at a loss. I needed to wait for some time to break even
3. I am not sure how much tax is already paid by the issuer and passed to me in the price
4. I am still happy, all of the above are just observations/good to know things that I wasn’t thinking about before hand
Regarding the interest on uninvested cash – the money just stay there, available for me, and I just receive a notification each morning stating what I’ve earned the previous day. It’s kind of sweat and very satisfying.
Would like to know also.
DBX0AN is an alternative, but it’s not a savings account. Tracks the STR and pays 3.9x%
BigBank 3.3 percent interest currently.
Use the search feature. This question literally gets asked every day.
You can check out the bonds on trade republic.
My guy there is no such thing as free money or no risk.
I just opened a savings account at Credit Europe Bank and I get 3.75% interest for the first 6 months. It’s a Dutch based bank, but they operate in a few other countries as well, so you could look into that if you’re interested. They pay the interest annually, though.
Freedom24 has a 1 year long-term savings plan with 5,82% interest. 20k€ is guaranteed by Investor Compensation Fund so I’d consider it safe for a deposit under 20k€.