Einzelinvestitionen

Einzelinvestitionen, also known as direct investments, refer to the acquisition of individual assets rather than investing in a diversified pool of assets like a mutual fund or ETF. This can encompass a wide range of assets, including individual stocks, bonds, real estate, or even commodities. The core characteristic is that the investor directly chooses and owns specific assets.

The primary advantage of Einzelinvestitionen is the potential for higher returns if the chosen assets perform exceptionally well. Investors have complete control over their portfolio, allowing them to select specific companies or properties they believe in. This direct ownership also means that all profits accrue directly to the investor, without management fees or the dilution of returns from underperforming assets within a larger fund.

However, Einzelinvestitionen also carry significant risks. The lack of diversification means that the performance of a small number of assets can heavily impact the overall portfolio. If a single investment performs poorly or fails, the losses can be substantial. This strategy often requires a deeper understanding of the underlying assets, thorough research, and continuous monitoring. It is generally considered more suitable for experienced investors with a higher risk tolerance and the time to actively manage their investments. The capital required for meaningful diversification through Einzelinvestitionen can also be considerably higher than for pooled investment vehicles.