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8Stefanie Kühn is a financial advisor and Certified Financial Planner.She has been advising clients with her company Private Finanzplanung Kühn eK since 1999, independently and on a fee basis. So she does not receive any commission from financial companies. Stefanie Kühn is one of the “Financial Advisors of the Year” for the renowned magazine “Euro Finances”, including one of the “Top 10 Financial Advisors” in Germany. Stefanie Kühn has published several guidebooks in book form, including titles such as “Gelassen in die Zukunft” or “A man is not a fortune”. We have on Best of HR – Berufebilder.de® did an interview with her. More information at www.private-finanzplanung-kuehn.de All texts by Stefanie Kühn.

Call money & time deposit accounts for entrepreneurs: mini interest preprogrammed

Entrepreneurs and entrepreneurs also want to invest their money well - for example, money market accounts. However, as it turns out, this is not as easy as you might think, because you often do not get the really good conditions.

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Mini rates for entrepreneurs

What turns out to be really difficult, is the finding of well-paid money market accounts for entrepreneurs. Apparently, the entire banking industry takes the attitude: Entrepreneurs need only mini-rates, they have no assets anyway.

Of course, house banks carry accounts of Company , but pay attention to the conditions. I observe a certain tendency in myself and my clients towards the "You are dependent on a bank like me, others don't make it cheaper and better" - attitude when we communicate with house banks.

Attention minicenses

At the same time, overnight money accounts are a convincing investment: You do not need any special knowledge of the financial market, they are flexible and contribute significantly more than the normal checking account. Many banks advertise with the high interest rates for overnight money accounts. But not every customer gets it.

Recently Stiftung Warentest has taken a close look at overnight money accounts and similar forms of savings with high interest rates. And with good reason: many institutes advertise new customers with enticing-sounding interest income on the daily allowance. The horse's foot is not emphasized as clearly.

Day money accounts - the reality

Because it would be nice if you could use daily money and fixed-term deposits of direct banks - but attention, the reality looks like this:

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Diba and Santander do not take any companies as customers. After all, the DKB is open to some professions - I do not count anymore, but my husband as a freelancer. CortalConsors has a nice call money lock offer, but only for private users. After all, companies get 1,5% and can run their depot there on favorable terms.

Stiftung Warentest reveals dubious promises

The Stiftung Warentest mentions comdirect bank as another negative example: It pays new customers who choose their “Tagesgeld plus” 4,75 percent interest. However: The lock interest is only available for 6 months and for amounts up to 30 euros. Existing comdirect bank customers, on the other hand, receive significantly lower interest rates - currently 000 percent.

I was particularly interested in the fact that Stiftung Warentest explicitly dealt with Postbank's complicated interest rate conditions, which, as a former customer, always annoyed me. For example, Postbank advertises with “up to 5,25 percent interest”. What you need to know: To get it, you have to invest 50.000 euros or more.

Offers for existing customers

The high interest rate you also get only for the money that is a full quarter in the account. The conditions of the quarterly savings with 5,25 percent interest lists the Stiftung Warentest here again separately. And we are pleased that the offer is also valid for old customers, who bring fresh money to the bank.

But that is also not so easy: If you have another savings account (the current account is not counted!) At the Postbank and have recently withdrawn money, the amount is offset against the new money. At least that was the case with last year's offer. One of the reasons why I finally changed the bank.

Main thing running time

But what about the competition? Here it depends above all on the term: Cortal Consors guarantees 6 percent interest after all for a whole year. Comdirect is less generous: the 6 percent is only available for half a year. But it gets worse:

SEB Bank only pays the 4 percent for its high-interest account until the end of September. Those who leave their money in the account after that receive only between 2 and 3,25 percent, depending on the amount a maximum of 4,5 percent.
And there are still some unpleasant side effects: Cortal Consors and comdirect link their 6 percent with the obligation to open a custody account, and with comdirect you can only invest 5.000 euros at the peak interest rate (with Cortal Consors at least 25.000 euros). The Lithuanian Parex Bank offers 4,3 percent with a minimum investment of 500 euros, you have to open a current account as a clearing account at the same time. And: The transfer from this account to a non-bank account costs at least 2 euros. And at all banks tested, only new customers receive the high interest rates, and notice periods (usually three months) must be adhered to. And some details of the offer will be changed at short notice.

High-interest offers without horse foot

The Stiftung Warentest shows, however, that there are also high-interest offers without a horse's foot, sometimes even without a minimum investment. For example, the Akbank, where you can get 4,75 percent from the first Euro, the Bausparkasse Mainz with 4,10 percent or the Amsterdam Trade Bank with 4,40 percent interest (all as of March 2008). The corresponding information document is updated once a month and can be called up here for a fee.

The list does not claim to be complete, if a bank wants me to provide it with top conditions comparable offer, then I'm looking forward to it!

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