Monkee - Saving. Rewarded.’s Post

Why is investing so important and why do some people not take care of their finances? Many people shy away from dealing intensively with their finances. There is often a lack of knowledge or a fear of taking risks. Some believe they don't have enough money to invest or find dealing with finances annoying and time-consuming. This passivity can lead to financial problems in the long term. Investing is essential to compensate for the daily loss of purchasing power caused by inflation. Without investments, your money loses value and you can afford less. In addition, the statutory pension in Germany is often not enough to enable you to live well in old age. With an average gross pension of just €1,543, many people are at risk of poverty in old age. Investing makes it possible to build long-term wealth and achieve financial goals such as buying a home or retiring early. A key advantage is the compound interest effect: you not only receive interest on your originally invested capital, but also on the interest you have already earned. This allows your assets to grow faster. There is a suitable way for everyone to invest and benefit from these advantages. Investing is an effective way to achieve financial security and build long-term wealth. Anyone can learn how to invest wisely to secure their financial future.

🚨 𝗦𝘁𝗼𝗽 𝗠𝗼𝗰𝗸𝗶𝗻𝗴 𝘁𝗵𝗲 𝗠𝗮𝗷𝗼𝗿𝗶𝘁𝘆: 𝗧𝗵𝗲 𝗠𝗶𝘀𝗹𝗲𝗮𝗱𝗶𝗻𝗴 '𝗔𝘃𝗲𝗿𝗮𝗴𝗲 𝗚𝗲𝗿𝗺𝗮𝗻 𝗪𝗲𝗮𝗹𝘁𝗵' 𝗡𝗮𝗿𝗿𝗮𝘁𝗶𝘃𝗲 🚨 Following the release of the new Allianz 𝘎𝘭𝘰𝘣𝘢𝘭 𝘞𝘦𝘢𝘭𝘵𝘩 𝘙𝘦𝘱𝘰𝘳𝘵 2024, I'm seeing countless articles and posts mentioning that the average German owns €𝟳𝟬,𝟬𝟬𝟬 in financial assets. The underlying message? Germans are bad at saving and should invest more in the stock market. But let’s face it—this call for more investments 𝗻𝗲𝗴𝗹𝗲𝗰𝘁𝘀 𝘁𝗵𝗲 𝘁𝗿𝘂𝘁𝗵 and is, frankly, mocking many people. While I completely agree that those who actually have €𝟳𝟬,𝟬𝟬𝟬 𝘀𝗶𝘁𝘁𝗶𝗻𝗴 𝗶𝗱𝗹𝗲 should consider investing to grow their wealth and combat inflation, the reality is that this 𝗔𝗩𝗘𝗥𝗔𝗚𝗘 figure doesn’t represent most Germans. Using averages in this context is 𝗺𝗶𝘀𝗹𝗲𝗮𝗱𝗶𝗻𝗴 and ignores the stark wealth inequality in Germany—a country where wealth distribution is more uneven than in many other European nations. While studies may show that the average German owns €70,000, the median tells a more honest story: • 𝗚𝗲𝗿𝗺𝗮𝗻𝘆'𝘀 𝗺𝗲𝗱𝗶𝗮𝗻 𝘄𝗲𝗮𝗹𝘁𝗵 is only €𝟭𝟴,𝟳𝟯𝟯. • In 𝗙𝗿𝗮𝗻𝗰𝗲, the median is €𝟯𝟭,𝟰𝟴𝟴, and in the 𝗨𝗦𝗔, it's €𝟲𝟯,𝟱𝟱𝟵. This 3x higher median in the U.S., combined with the vastly different Social Security and pension systems in Germany and Austria, makes it almost impossible to compare how many people are actively investing in the capital markets between these countries. The 𝗵𝗮𝗿𝘀𝗵 𝗿𝗲𝗮𝗹𝗶𝘁𝘆: • The 𝘁𝗼𝗽 𝟭𝟬% 𝗼𝗳 𝗵𝗼𝘂𝘀𝗲𝗵𝗼𝗹𝗱𝘀 in Germany own 𝗼𝘃𝗲𝗿 𝟲𝟬% of the assets, • while the 𝗯𝗼𝘁𝘁𝗼𝗺 𝟮𝟬% have 𝗻𝗼 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝗮𝗳𝗲𝘁𝘆 𝗻𝗲𝘁 𝗮𝘁 𝗮𝗹𝗹. They can’t even afford to replace a broken washing machine without going into debt. A €15 ETF-Savings plan isn’t helping them with their washing machine, nor is it significantly contributing to closing their pension gap. Given this 𝗲𝘅𝘁𝗿𝗲𝗺𝗲 𝘄𝗲𝗮𝗹𝘁𝗵 𝗱𝗶𝘀𝗽𝗮𝗿𝗶𝘁𝘆, blanket statements urging Germans to invest more are not just out of touch—they're insensitive and dismissive of the struggles many people face daily. 🧐 We need a 𝗺𝗼𝗿𝗲 𝗻𝘂𝗮𝗻𝗰𝗲𝗱 𝗮𝗽𝗽𝗿𝗼𝗮𝗰𝗵 to financial education. Yes, some people could benefit from investing idle funds. But for a 𝗹𝗮𝗿𝗴𝗲 𝘀𝗲𝗴𝗺𝗲𝗻𝘁 𝗼𝗳 𝘁𝗵𝗲 𝗽𝗼𝗽𝘂𝗹𝗮𝘁𝗶𝗼𝗻, financial literacy should focus on: • Understanding 𝘄𝗵𝗲𝗿𝗲 𝘁𝗵𝗲𝗶𝗿 𝗺𝗼𝗻𝗲𝘆 𝗶𝘀 𝗴𝗼𝗶𝗻𝗴, • Finding ways to 𝗿𝗲𝗱𝘂𝗰𝗲 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀, • Exploring opportunities to 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗲 𝗶𝗻𝗰𝗼𝗺𝗲, • Protecting themselves against emergencies with 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲, • And building an 𝗲𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝘆 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝗳𝘂𝗻𝗱. It’s time we 𝘀𝘁𝗼𝗽 𝗼𝘃𝗲𝗿𝘀𝗶𝗺𝗽𝗹𝗶𝗳𝘆𝗶𝗻𝗴 the issue and start addressing the 𝗿𝗲𝗮𝗹 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗰𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲𝘀 that many people face. 💡 #FinancialEducation #Investing #Finanzbildung

𝗪𝗲'𝗱 𝗹𝗶𝗸𝗲 𝘁𝗼 𝘀𝗵𝗮𝗿𝗲 𝗮 𝗺𝗲𝘀𝘀𝗮𝗴𝗲 𝗳𝗿𝗼𝗺 𝗼𝘂𝗿 𝗰𝗼-𝗳𝗼𝘂𝗻𝗱𝗲𝗿, 𝗠𝗮𝗿𝘁𝗶𝗻 𝗚𝗿𝗮𝗻𝗶𝗴, 𝗮𝗯𝗼𝘂𝘁 𝘄𝗵𝘆 𝘄𝗲 𝗻𝗲𝗲𝗱 𝗮 𝗺𝗼𝗿𝗲 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁𝗶𝗮𝘁𝗲𝗱 𝗮𝗽𝗽𝗿𝗼𝗮𝗰𝗵 𝘁𝗼 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗲𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻 𝘁𝗵𝗮𝗻 𝗷𝘂𝘀𝘁 𝘂𝗿𝗴𝗶𝗻𝗴 𝗽𝗲𝗼𝗽𝗹𝗲 𝘁𝗼 𝗶𝗻𝘃𝗲𝘀𝘁 𝗺𝗼𝗿𝗲 𝗺𝗼𝗻𝗲𝘆. While the average financial assets in Germany are €𝟳𝟬,𝟬𝟬𝟬—which might create the impression that there's a lot of uninvested money sitting in bank and savings accounts—the 𝗺𝗲𝗱𝗶𝗮𝗻 𝗼𝗳 €𝟭𝟴,𝟳𝟯𝟯 tells a different story. A large part of Germans don't have any financial rainy day fund and are unprotected against emergencies. We often receive questions from our users like: "𝘐'𝘷𝘦 𝘨𝘰𝘵 €4,000 𝘪𝘯 𝘥𝘦𝘣𝘵 𝘢𝘯𝘥 𝘢𝘭𝘮𝘰𝘴𝘵 𝘯𝘰 𝘦𝘮𝘦𝘳𝘨𝘦𝘯𝘤𝘺 𝘧𝘶𝘯𝘥—𝘴𝘩𝘰𝘶𝘭𝘥 𝘐 𝘴𝘦𝘵 𝘶𝘱 𝘢𝘯 𝘌𝘛𝘍 𝘴𝘢𝘷𝘪𝘯𝘨𝘴 𝘱𝘭𝘢𝘯?" While we're big fans of investing money for the long term and protecting it from inflation, we believe it's absolutely necessary to first build a financial safety net to protect against immediate financial emergencies. An expensive car repair, a broken dishwasher, or the need to buy a school laptop for a child could push people further into debt—debt that often comes with interest rates of 15% or more. So, our clear message is: 𝗬𝗲𝘀, 𝗶𝗻𝘃𝗲𝘀𝘁 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆 𝗶𝗻 𝘁𝗵𝗲 𝘀𝘁𝗼𝗰𝗸 𝗺𝗮𝗿𝗸𝗲𝘁 𝘁𝗼 𝗴𝗿𝗼𝘄 𝘆𝗼𝘂𝗿 𝘄𝗲𝗮𝗹𝘁𝗵 𝗼𝘃𝗲𝗿 𝘁𝗶𝗺𝗲, 𝗯𝘂𝘁 𝗳𝗶𝗿𝘀𝘁 𝗽𝗮𝘆 𝗼𝗳𝗳 𝗵𝗶𝗴𝗵-𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗱𝗲𝗯𝘁 𝗮𝗻𝗱 𝗯𝘂𝗶𝗹𝗱 𝘂𝗽 𝗮𝗻 𝗲𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝘆 𝗳𝘂𝗻𝗱 𝘁𝗵𝗮𝘁 𝗰𝗼𝘃𝗲𝗿𝘀 𝗮𝘁 𝗹𝗲𝗮𝘀𝘁 𝟯 𝗺𝗼𝗻𝘁𝗵𝘀 𝗼𝗳 𝗲𝘅𝗽𝗲𝗻𝘀𝗲𝘀 (𝗶𝗱𝗲𝗮𝗹𝗹𝘆 𝟲 𝗺𝗼𝗻𝘁𝗵𝘀). At Monkee, we're committed to helping everyone achieve financial stability and security. Let's focus on building a solid foundation before reaching for long-term investments.

The idea of financial independence can mean different things to different people, but one common way to define it is having enough money that you no longer need to rely on a job, a paycheck or someone else to sustain your lifestyle. While the path toward financial independence can feel daunting, there has been one tried and true method of success: live below your means and invest what you save. That’s exactly what Shu Matsuo Post did to achieve the freedom he has today. Over the course of about seven years, the 38-year-old consistently poured over 50% of his and his wife’s dual income into real estate investing. Now, Matsuo Post owns a $2 million real estate portfolio consisting of six rental properties located in the U.S. and three in Japan, according to documents seen by CNBC Make It. “I’m very fortunate to be able to say this, but I don’t have to work for money,” Matsuo Post told CNBC Make It. “I enjoy earning money, but I can focus on what I want to do... it’s completely the other way around.” Here's how he built a 7-figure real estate portfolio and achieved financial independence.

If you’re only working for money, you’ll never be rich. Here’s how millionaires actually make money: 1️⃣ Human Capital: → You work for money (salary). 2️⃣ Assets Capital: → Your money works for you (capital gains, dividends). The difference? Millionaires focus on assets and cash flow, not just working harder. Here’s the millionaire money formula: 🔹 Spend 50% → Daily living expenses. 🔹 Save 20% → Build a financial safety net. 🔹 Invest 30% → Make your money grow. Two choices for investing: ✅ Active Investing: Stocks, real estate, businesses. ✅ Passive Investing: Index funds, ETFs, lending, hedge funds. The takeaway: To become wealthy, you need to shift from working for money to having your money work for you. Are you investing yet? If not, what’s holding you back? 💬 Image credit to: GS Investing on Pinterest ________ Finally, a page dedicated to posting the Best Entrepreneurship Advice on LinkedIn

Stamp Duty Increases: The Silent Wealth Killer? Imagine this: You’ve just found the perfect property. The numbers work, the location is ideal, and you’re ready to take the next step toward securing your future. But then... Boom. 💥 You’re hit with a stamp duty bill so high it eats into your profit before you’ve even started. Suddenly, the dream of financial freedom through property feels just out of reach. This is the reality many investors are facing with stamp duty increases—a move that silently chips away at your returns and forces you to rethink your strategy. But here’s the truth: A tax increase doesn’t have to stop you from building wealth. 💡 The most successful investors don’t just react—they adapt. Whether it’s restructuring deals, exploring new property strategies, or focusing on locations where the numbers still work, there’s always a way forward. ✅ Here’s What I Recommend: 1️⃣ Stay informed: Understand how the changes affect your next move. 2️⃣ Be strategic: Reassess your investment plan—there are still opportunities to be found. 3️⃣ Join a community: Surround yourself with experts and like-minded investors who can help you navigate the challenges. At the Property Investors Club, I help investors overcome barriers like these and turn challenges into opportunities. With the right knowledge and guidance, you can still grow your portfolio and achieve the returns you’re aiming for. 📩 Feeling stuck? Let’s talk. DM me the word “STAMP” to discover how you can invest smarter despite the changes. 💬 How has the stamp duty increase affected your property plans? Let me know in the comments—I’d love to hear your thoughts.

https://lnkd.in/eBrad732 If you have shares and funds, moving your same holdings to pension AVCs saves you the referenced problems in the article: up to 40% income tax on dividends, 33% capital gains tax on sales and reporting to Revenue. Further, as a new contribution you will receive a tax credit on your income tax for the year of contribution. Potentially making €6000 of holdings €10000 (depending on your tax band). Furthermore, if you are in your 50s and 60s, you wouldn't really be giving up much access by doing this. For sizable portfolios you could do this over a number of years.

If you wanted an amazing 2025 .. you'd have been better off planning for that in 2005 Because timing the market is not how you build real wealth. You build lasting wealth by how much time you spend in the market. My daughter, for example is getting into her first investment property in her 20's. Which means she's got time on her side ... imagine what that property could be worth in 50 years time. One of my biggest gripes is when very well-educated, high-income earning Aussies come to us with small to non-existent property porfolios. Not maximising your income to build wealth through property is a real shame in my opinion. Show me another asset class that can provide you stable total returns and the ability to leverage and reduce your tax liability at the same time... Take massive amounts of action in 2025 that you will thank yourself for in 2045 when you're retired with stacks of passive income. 

🚀 Maximising Returns: Discover the Top 5 Tax-Efficient Investment Options for UK Investors In the quest for financial growth, savvy UK investors are constantly seeking ways to align their portfolios with tax-efficient strategies. Steve Marshall, Sales Director at Maven, dives into the essential tax-saving options, from ISAs and pensions to Venture Capital Trusts (VCTs), revealing how you can keep more of your hard-earned money while contributing to UK economic growth. 💡 Tax efficiency isn't just about saving; it's a strategic approach to investing that complements both personal financial objectives and broader economic goals. By optimising for tax, investors can significantly enhance their returns without always taking on additional risk. Each option has its unique benefits and considerations, tailored to different investor profiles and objectives. It is wise to consult with a regulated financial advisor if you are unsure about the risks. Read the article here 👉 https://hubs.ly/Q02tKLTj0 #InvestingUK #TaxEfficiency #FinancialGrowth

"30 Days #BillionDollarDream Challenge Day 19: Revisit Your Budget – Fine-Tune Your Path to #FinancialFreedom" Congratulations on taking those initial steps toward financial independence! Today is all about "revisiting your budget" to ensure your investments align with your goals and comfort level. Fine-tuning your strategy now can make a huge difference in achieving the freedom you’re seeking. "Why revisit your budget?" Your first round of #investments has given you insight into the markets, your risk tolerance, and the returns you’re seeing. Now it’s time to "adjust allocations" based on what’s working and what could be optimized. With an evolving budget, you’re in control, building wealth in a way that’s sustainable and strategic. In a world where "traditional investments like real estate, mutual funds, and stocks average only 8-12% returns", it’s critical to find high-growth opportunities that align with your ambitions. As India’s startup landscape is projected to produce "200+ unicorns in less than a decade", this is an exclusive chance to get in on the ground floor of incredible potential. Miss this wave, and it could be another century before similar opportunities come around. Imagine what "an optimized budget and #passiveincome streams" could mean for your life: - The ability to leave the 9-to-5 and start a passion project - Freedom to travel, support loved ones, and explore the world on your terms - The peace of mind that comes from knowing your financial future is secure Take this time to "reassess, realign, and reallocate" – and watch how these small adjustments can bring you closer to your financial dreams. 💬 What changes are you making to your budget? Comment below, tag a friend who’s on a similar journey, and let’s inspire each other to achieve true financial freedom. 🚀🌍✨ Follow Rtn. Ansshav Jain Rtn. Dr. Vinaya Rtn. Sharmila Divatia or reach out to us for more updates So, let's speak loud 📢 "RISE & SHINE" #KnowYourSelf to #Transform into a #Leader Jagao Jagao #HarGharTiranga ke saath Har Ghar #SoneKiChidiyaKoJagao  #AwakeningTheGoldenBird inside each of you And, keep spreading the #BringleDreamWave 😊#Inspire Others 😊Help them #Achieve 😊 Motivate them to #PassItOn #FinancialFreedom #PassiveIncome #InvestmentJourney #BudgetingTips #WealthBuilding #StartupInvestments #SecureYourFuture #FreedomLifestyle #SmartInvesting #GrowthMindset