Q&A No. 8 Saving for Retirement:  How to start with stock investing
Channel: Investing made easy
Date: 2017-09-22

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The amount you should invest in stock is, of course, dependent on your assets. Most Swiss people save most between their fortieth and sixtieth birthday.

The osteopath Michael Stadler of the Osteopathy Central is 33 years old and has thus many years to learn the ins and outs of stock investing. For learning purposes, an amount of money is needed that will hurt when lost but will not bring about ruin for Michael.

Hermann Stern thus proposes an amount of 2,000 Swiss francs per quarter for Mike. Thus, the time expenditure is low with about two hours per investment four times a year, the annual amount of 8,000 Swiss francs is manageable but nevertheless with this amount Mike can learn the stock investment ins and outs very well.

How does the exact procedure for the purchase of stocks work? This is easy. You need a securities deposit at an online bank. On Obermatt.com you will find links to provider comparisons (http://www.obermatt.com/en/investing/anleitung.html).

The deposit account is also referred to as a trading account. Do not be irritated, because you will not "trade" shares, but buy and hold shares. But these trading / broker accounts offer the most favorable conditions and serve the purpose of long-term stock investing.

As a next step, you should regularly transfer money to this account, and as soon as you have invested the amount for your initial investment, you are ready to go. You look for the previously selected stock in your online trading account and buy it.

It is very important that you know exactly what amount you are investing. Trading accounts often misrepresent your success. This means that they only show the price development but do not include the dividend received. Therefore you should see a positive amount, but a negative amount appears in your account. So, from the very beginning, keep a record of what you've paid so you can always compare the current value of your account with your deposits.

This helps you especially in the case of market slump, because the comparison of the deposit value with your deposits is often still positive if you saved with stocks long enough before hand.

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If you understand Swiss German, check out the original Q&A with Michael Stadler: https://www.youtube.com/playlist?list=PLXfpebax-e05Yxp1HPvivOIRgAgdhEunV

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