Some may object that this reallocation is not so easy to implement in the current situation. This is actually true. In times of crisis, some popular forms of investment fall through the cracks and it is difficult to find the right ones. We filter a bit at this point:
What tangible assets are there?
Precious metals: Are certainly number 1 here and must not be missing in any crisis precaution. However, it is advisable not to put all your eggs in one basket and buy only gold and silver. My recommendation is to invest about 30 to 50 percent of disposable assets in precious metals, divided into one-third gold and two-thirds silver.
Real estate: is not recommended for several reasons. The danger of a state seizure by means of a forced mortgage, as happened after the Second World War, can no longer be ruled out. The state itself does not earn money and must refinance itself again and again. Real estate is, as the name suggests, not mobile and therefore the owners cannot withdraw these values from the grasp of the state. Data collection through surveys (most recently the 2011 census) provides the authorities with the basis for such a measure. It could happen that the state registers a mortgage on each property and plot of land, which the owner must subsequently pay off. Regardless of whether the house is paid off or not.
In addition, there is the danger that the over-indebted municipalities will want to increase their revenues by raising fees and charges, thus burdening the property owners. Potential additional expenses may arise as a result of government requirements for thermal insulation or other mandatory refurbishment measures. In the event of an economic slump, rent defaults and damage caused by rent nomads become more frequent. Real estate should therefore be treated with caution. Exceptions could include real estate purchased debt-free for owner-occupancy or farmland and forests. A good possibility are also hobby rooms, which are suitable as an external storage.
Diamonds, art, vintage cars, jewelry, etc.These investment options are not crisis-proof stores of value, as they are more of a hobby and do not have a concrete and stable value.
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Shares: These are tangible assets, since an investment in companies. From my point of view, however, the disadvantages outweigh the disadvantages for most values, since the prices are currently very high and a sharp drop is possible at any time – at the latest when the downward trends in the economy can no longer be whitewashed. In addition, in the case of heavily indebted businesses (e.g.B. EON with over 30 billion. Euro, as of 2015) the debts acquired along with the stock.
A largely unknown alternative is available for this purpose:
Company participations in established and debt-free companies: Basically, when it comes to company investments (shares), approx. 80% of profits to be generated before going public. The wealthy thus use a knowledge advantage and increase their money in this way. This way is closed to most people due to lack of knowledge and possibilities.
However, there is an opportunity – even for small investors – to join an association of ca. 50 German medium-sized companies to participate. This holding captivates u. a. Through strict criteria in the selection of companies. These must meet the following requirements:
- The companies are absolutely debt-free, d. h. they have no bank liabilities (independence in the crisis)
- They have worldwide patents and they are successful in their market, they are not startups (risk too high)
- You follow a clear code of ethics (only companies and patents that work for the benefit of people and the earth are eligible)
- German companies (jobs, tax revenues, etc.) will be lost.) strengthened. 80% of the world's patents are produced in Germany, but unfortunately only a fraction is successfully marketed here, because usually the money for it is missing.
Ulrich Heider, a long-time acquaintance of our crisis table in Planegg, is an expert in this regard and has already helped countless readers. You can contact him about this and also consult him about any questions about other savings and investment options. You can reach him: