Smart finance Archives | Mintos Blog

How to save money: Smart tips to keep more each month

Laura Berkolde — Fri, 09 May 2025 08:13:05 +0000

Everyone wants to save more. But between daily expenses, rising prices, and unexpected bills, it can feel like there’s never enough left over. Learning how to save money is a skill that sets you up for financial stability.

Whether you’re just starting out, trying to build up an emergency savings fund, or looking for ways to save money each month, it starts with small, intentional steps. The right system can facilitate mindful spending, reduce financial stress, and make room for your ambitions, even if your income is limited.

This guide breaks down saving money for beginners into clear, manageable actions. You’ll find both quick changes you can make today and smart saving habits that build over time.

Plus, once you’ve built a strong foundation, we’ll show you how to make your savings work harder by linking to practical investment options.

We’ll cover:

Money-saving tips you can apply immediately
How to save money fast with minor adjustments
Best ways to save money for daily life and big goals
Tips to cut expenses without cutting joy
The difference between saving vs. investing

Quick saving strategies you can start today

Getting started doesn’t require a big income or complex framework. These fast, low-effort actions are some of the best ways to save money. They’re especially valuable for anyone searching for how to save money fast, or building confidence while saving money as a beginner.

1. Record your spending for 7 days

Before you can turn smart saving into a habit, you need to see clearly where your money is actually going. Picture this step as turning on the lights in a messy room. Suddenly, what seemed overwhelming becomes manageable. Tracking your spending is the most effortless way to gain clarity and kickstart budgeting to save money.

Note down everything you spend
Organize expenses into categories
Identify small changes that could free up cash

> Side hustles for extra income: Top ideas and strategies for 2025

2. Set a specific goal

Clear objectives make saving feel rewarding. This is one of the most overlooked but effective money-saving tips. It gives your efforts purpose and turns abstract saving into something tangible and motivating. When you have a clear finish line, the small sacrifices feel a lot more rewarding.

Pick one goal, like saving €50 this month
Label it: “trip fund” or “starter emergency fund”
Write down how much, and by when, you’ll save it

> How to set financial goals

3. Open a separate savings account

Creating financial boundaries guarantees that you stay on course. This is key to learning how to start saving with structure. Think of it as building a fence around your money, so you’re less tempted to dip into it.

Open a separate no-fee account just for saving
Give it a goal-oriented name like “future me”
Transfer a fixed amount as soon as you get paid

> What is a savings account?

4. Try a one-week no-spend challenge

Looking to test your willpower and boost your savings at the same time? Saving challenges are a fun, low-pressure way to build discipline without overhauling your entire lifestyle.

Choose one category to pause (like takeaway or clothing)
Prep low-cost alternatives so you stay on your game
Add the unspent money to your savings at week’s end

These short bursts of focus are remarkably useful if you’re a beginner to saving money, or want a relatively quick way to kick off smarter money-saving tips.

> 10 things you can do with your extra money today

5. Cancel one thing you don’t need

Sometimes, saving on a low income starts with subtracting, not earning more. Cutting just one small, unused expense can create momentum and free up cash instantly.

Review your recurring payments (apps, subscriptions)
Cancel at least one service you rarely use
Redirect that cost into your emergency savings

> Learn how to build an emergency fund

6. Pay yourself first

Wondering how to save money each month? Start here. Visualize it as paying your future self. When you treat saving as a non-negotiable expense, it becomes just another part of your financial routine, not a chore or a sacrifice.

Automate a savings transfer right after every payday
Begin with €10–€20 and scale when possible
Treat saving as a non-negotiable monthly expense

> 10 ideas for financial growth

Monthly habits that make a long-term difference

When your budget is set, saving becomes about the small things you do regularly. These changes don’t require major sacrifices, but they can help you discover how to save money each month without overhauling your lifestyle. They’re ideal for developing smart saving habits that last.

7. Cut back on energy costs at home

One of the most underrated ways to cut expenses? Lower your energy usage. Utility bills can be overlooked, but they’re a prime spot for quick and sustainable savings.

Use LED bulbs and unplug unused devices
Lower your thermostat slightly or use heating timers
Run appliances in eco-mode or during off-peak hours

Little changes like these can help you save money each month without sacrificing comfort, particularly if you’re looking for smart saving habits you can start today.

8. Cook more, order less

Looking to learn how to save on a low income without feeling restricted? Look no further than your kitchen. Cooking more meals at home is one of the most effective everyday changes you can make.

Plan meals for the week and buy only what you need
Batch cook and freeze portions to avoid takeout temptation
Bring lunch from home instead of buying every day

9. Practice mindful spending

Sometimes it’s not about spending less, it’s about spending better. Practicing mindful spending aligns your purchases with your values, not just your impulses. It’s a powerful habit for anyone looking to reduce financial stress and save money each month without rigid restrictions.

Pause before buying: Will I still want this tomorrow?
Spend with intention: Does this serve a real need?
Redirect with purpose: Could this money go toward my desired outcomes?

Shopping with purpose is a small shift that supports both budgeting to save money and smarter financial strategies overall.

> How to achieve FIRE: Financial Independence, Retire Early in 2025

10. Switch to generics or store brands

The best way to save money at the grocery store? Don’t pay for the label. Store-brand and generic products are often made by the same manufacturers and offer nearly identical quality.

Compare unit prices to see the real savings
Try store-brand staples like rice, pasta, and cleaning supplies
Only go back to name brands if you truly notice a difference

11. Try a monthly saving challenge

Think of this as your graduation from the 7-day spending tracker, that was just the warm-up. Moving forward, it’s time to level up with longer saving challenges that build consistency and stretch your discipline.

Put aside every €2 coin you get, or start a “round-up” challenge
Set no-spend weekends to reset your budget
Monitor progress to stay motivated and make saving more fun

> Make money from home: Top ideas and strategies for 2025

Build a sustainable saving system

12. Automate your savings

If you want consistency without the mental load, this is your move. Automate your savings and your money goes into your savings account before you even notice it’s gone.

Set a recurring transfer on payday from your main account to your savings
Start with an amount that feels doable, like €20–€50
Use your bank’s automation tools or a trusted app that supports this

13. Use budgeting apps to stay in control

Given that you’ve gotten the hang of tracking your expenses manually (like we did in week one), it’s time to level up. That’s where tech can really add value. Using a budgeting app gives you real-time visibility, making it easier to budget to save money consistently without the guesswork.

Try apps like YNAB, or a bank-integrated tracker
Set monthly limits for categories like groceries or entertainment
Enable spending alerts so you can adjust in real time

> Best budgeting apps for 2025: Track, save, and invest smarter

14. Try a longer saving challenge

You’ve already tackled the 7-day and monthly targets, now it’s time to stretch it out. Longer saving challenges are like fitness challenges for your finances: they serve to build routine, discipline, and staying power.

Choose a 52-week, 3-month, or “round-up” challenge
Automate small transfers like €5 a week or every time you buy coffee
Evaluate your savings growth to stay motivated

15. Time purchases with seasonal discounts

Impulse buys are only fun until the bill hits. One of the best ways to save money? Plan your purchases and wait for seasonal sales to make your move.

Plan big buys (tech, clothes, furniture) around sale periods
Use tools like Honey or Google Shopping to monitor price drops
Buy only what you already planned, not what’s suddenly discounted

16. Review your budget every quarter

Your financial plan should be just as flexible as your life. Reviewing your finances quarterly keeps you on track and allows you to save money each month as your plans shift.

Schedule time every 3 months to review your spending and income
Adjust your savings rate or reallocate money if your situation changes
Set one improvement goal (e.g., reduce food delivery by €30/month)

These small tweaks make your financial planner a living tool, not a static spreadsheet.

17. Create a sinking fund for future costs

A sinking fund is your budget’s best-kept secret. Set money aside for upcoming, predictable expenses, so they don’t mess up your savings rhythm.

Make a list of non-monthly expenses: holidays, gifts, car maintenance
Estimate the total cost, then divide it into monthly savings targets
Store in a labeled sub-account or budgeting app category

It’s a proactive way to stay in control and protect your emergency savings from being drained by life’s “not-quite-emergencies.”

18. Set yearly financial goals and review milestones

Saving works better when it’s tied to something meaningful, and gives your journey a direction.

Define one or two goals for the year, not ten
Break them into smaller checkpoints and deadlines
Reward yourself when you hit milestones (without spending!)

This is how you go from vague intentions to real progress in your money-saving journey.

19. Pair saving with extra income

When your budget is tight, the fastest way to build momentum is to boost the top line. Adding extra income can help you save on a low income and reach your goals faster.

Sell unused items online or provide a straightforward service (editing, tutoring)
Keep tabs on “extra” earnings separately from your main income
Transfer 100% of this into savings or debt repayment

> Explore 15 passive income ideas to build your wealth in 2025

20. When to switch from saving to investing

Let’s talk about the next level, because while saving is paramount, it’s not the endgame. If you’ve been building a savings account and sticking to saving challenges, you’re ready for the next chapter: investing.

This is where the real growth begins.

When to make the switch

You don’t have to choose one or the other—both can (and should) coexist. The right time to start investing is when:

Your emergency fund is fully funded
Your short-term goals (like a vacation or upcoming expense) are already budgeted for
You can afford to set aside money you don’t need in the next 3–5 years

That last part is key: investing is for the long term. If you’ll need that money soon, keep it in savings.

> 7 best investment ideas in 2025

> Understanding risk and return: A guide for investors

> A beginner’s guide to building long-term wealth

Level up from saving to investing with Mintos

You’ve carefully monitored your spending, built a savings buffer, and picked up smart habits along the way. Now it’s time to turn that financial discipline into momentum. From here, you’re ready to begin investing. Mintos enables you to take the next step, on your terms. With accessible, flexible options for every experience level, we make the switch from saving to investing feel not just possible, but exciting.

Here’s how Mintos can support your financial goals:

Loans – Earn regular interest payments, diversify across sectors and regions, and choose between automated or hands-on investing.
Bonds – Invest from €50, earn fixed returns, and diversify your investments. A great option for those looking for steady, passive income.
Passive real estate – Generate monthly rental income from property-backed investments with a lower entry point than direct ownership.
Smart Cash – Access a money market fund with the highest rating that offers higher interest than traditional savings with same-day withdrawals.
ETFs – Invest in ETFs globally with a single portfolio, enjoy diversification, and zero commission fees, starting from just €50.

Disclaimer

This is a marketing communication and in no way should be viewed as investment research, advice, or a recommendation to invest. The value of your investment can go up as well as down, and you may lose part or all of your invested capital. Past performance of financial instruments does not guarantee future returns. Investing in financial instruments involves risk; before investing, consider your knowledge, experience, financial situation, and investment objectives.

Any scenarios or examples provided are for illustrative purposes only. They do not guarantee specific outcomes or returns and should not be relied upon when making investment decisions. Actual results may vary based on market conditions, issuer performance, and other factors.

Want to learn more?

Personal finance 101: How to manage, save, and grow your money

Laura Berkolde — Wed, 07 May 2025 09:34:48 +0000

Personal finance is the process of managing your money so it works for you, not against you. Instead of always reacting to problems or running out of money, you’re making a plan and staying ahead. That’s what it means for your money to work for you: it’s fueling your life, not creating stress.

At its simplest, personal finance is identifying three things:

How much money is coming in
Where that money is going
What you want it to do for you in the future

When those three things are aligned, you are better equipped to make smart decisions, avoid unnecessary debt, and stop wondering if you’re “doing it right.”

If you’re new to this, you’re not alone. Many people are never taught how to manage money, budget effectively, or invest confidently. That’s why we created this guide.

In this personal finance guide for 2025 expect to learn:

Personal finance tips that actually work
How to manage money in a way that fits your lifestyle
Saving and investing strategies for all budgets
Actionable financial literacy tips for long-term success
Passive income strategies to grow over time
How to build an emergency fund that protects you

Why personal finance should be a priority

Most goals aren’t out of reach because they’re unrealistic, they’re out of reach because there’s no plan for how to afford them. Without healthy money habits, your goals get delayed.

Examples of financial goals:

You may want to travel, but if you’re constantly dealing with credit card debt, it’s difficult to save or book that trip.
You might want to move into your own place, but without a budget, rent, and living costs can quickly stretch beyond what you can manage.
You could be working full-time and covering your daily necessities, yet still feel unsure about how to grow your savings or begin investing.
You may have some money set aside in a savings account, but it isn’t earning much interest or moving you closer to your long-term goals.

Your goals change over time, depending on your age, income, and life stage, but they all rely on one thing: having your finances in order.

Personal finance planning allows you to take control of these situations. When you prepare in advance, you have access to more flexibility and less stress. When you learn how to manage money, you should:

Track your spending and spot areas where you can cut back.
Build an emergency fund that protects you when unexpected costs show up.
Learn how to grow your money through saving and investing.
Create smart money habits that ensure you make steady progress.

Over time, this planning adds up. You begin to improve your personal finances, feel more confident in your decisions, and open doors to things that may have once felt out of reach.

> Steps to setting effective financial goals

The 5 pillars of personal finance explained

Personal finance for beginners starts with a few core areas that shape your financial health. These five pillars work together and prepare you to make smart money decisions. The more attention you give each one, the more confident and prepared you’ll feel.

1. Income: What you earn and how to manage it

Your income is the money you receive regularly. This can come from your job, freelance work, side hustles, or passive income strategies like investing or renting out property. Some people may also receive income through benefits or grants.

Tracking your income is the first step in learning how to manage money. Know how much you actually bring in after taxes, and whether your income is stable or changes from month to month. Create a spending plan, avoid debt, and begin personal finance planning that matches your lifestyle.

How to improve your finances in this area:

Track all your income sources so you fully understand what you can count on.
Explore tactics to grow your income, like learning new skills or setting up a side hustle.
Review your income monthly and plan for irregular payments if your income changes.

2. Spending: Understand where your money goes

Spending includes all the money that leaves your account during daily life. It covers everything you pay for and is where small habits have the biggest impact.

Avoid going over budget and keep your daily habits aligned with your goals by splitting your expenses into needs and wants:

Needs include rent, groceries, and essential bills.
Wants include shopping, eating out, and entertainment.

Learning how to budget effectively means being intentional about your spending, so you’re not surprised at the end of the month.

Tips to improve this area:

Track your spending for 30 days.
Create a basic budget and adjust it as your circumstances change.
Use free budgeting tools to monitor your expenses and stay on track.

3. Saving: Set money aside with purpose

Saving and investing are part of establishing a strong financial base. When you save, you protect your money for short-term goals or unexpected expenses.

Some people wait to save whatever is left at the end of the month, but it’s more effective to treat saving like a regular expense. Small, regular savings will improve your personal finances over time. Savings are a big part of creating smart money habits that stick.

How to improve your savings routine:

Automate transfers to a savings account right after you get paid.
Set clear goals for both short-term and long-term savings.
Build an emergency fund as part of your personal finance guide for 2025.

4. Investing: Make your money grow over time

If saving is about security, investing is about growth. Investing means putting your money into financial assets that can increase in value or generate income. This can include stocks, bonds, ETFs, real estate, or investing in loans through trusted platforms.

Investing does involve risk, but it also offers the potential for long-term gains that go beyond what a savings account can provide. It’s an integral part of how you start building wealth.

Opportunities to expand your investing knowledge:

Learn the basics of risk, return, and time horizon.
Start small to acquire confidence and avoid feeling overwhelmed.
Diversify across different assets as you gain experience.

5. Protection: Stay ready for the unexpected

Protection means building financial security into your plan. Life can be unpredictable, and sensible personal finance planning includes preparing for emergencies so you’re not thrown off course.

Being prepared protects your peace of mind. It’s an absolutely vital financial literacy tip, plan for what you can’t predict, so surprises don’t turn into setbacks.

How to strengthen financial protection:

Learn about insurance options that fit your lifestyle and risk level.
Avoid high-interest debt or depending on one income source if possible.
Set up alerts or safeguards to monitor your accounts and detect fraud early.

Simple strategies to strengthen your finances

Now that you understand the key areas of personal finance, it’s time to put that wisdom into action. This section focuses on practical strategies you can practice immediately if you’re looking to improve personal finances, stay on top of your budget, or take the first step toward investing.

Create a plan for your money

50/30/20 rule: 50% for necessities, 30% for wants, 20% for savings and debt.
Zero-based budgeting: Assign every euro a purpose so nothing is left unaccounted for.
Envelope method (digital or cash): Divide your spending into set categories.

Take control of your debt

Managing debt means more than just making the minimum payment. It’s about understanding which debts are holding you back and creating a plan to pay them off while still saving and investing.

Prioritize high-interest debts like credit cards.
Consider the snowball method (start with the smallest balance) or avalanche method (start with the highest interest).
Avoid taking on new debt unless it fosters long-term growth.

Engage in small moves that lead to big change

Strong finances aren’t about making perfect choices all the time. They come from simple, repeatable habits that make your goals more achievable.

Set calendar reminders for financial check-ins.
Review your bank statements once a week.
Turn on transaction alerts to stay aware of your spending.

Grow your money over time

Once your budget, savings, and debt are under control, you’re ready to take the next step: investing. This is how you move from managing money to accruing wealth.

Tips for new investors:

Consider beginner-friendly platforms with low entry points.
Learn about diversification to reduce risk.
Match your investments to your timeline and goals.
Reinvest returns to gain momentum.

Why saving isn’t enough to grow wealth

Saving and investing are both important parts of your financial journey. Saving is commonly the first step in managing money. But once your short-term needs are covered, saving alone isn’t enough for bigger goals. To make real progress and understand how to start building wealth, you will have to go beyond saving and embark on an investing journey.

Savings grow slowly, but goals get bigger

Money held in a savings account usually earns low interest. While you preserve capital, it doesn’t offer much growth. In fact, over time, inflation can reduce what your savings are worth in real terms.

For example, imagine you save €1 000 in a traditional savings account earning 1% interest. After one year, you’ll have €1 010. But if inflation is 3%, your purchasing power actually decreases. This is why many people who focus only on saving feel stuck when trying to reach long-term goals like buying a home or retiring comfortably.

> Learn more about cash investments

Investing gives your money room to grow

While saving keeps your money safe, investing allows it to grow. When you invest, your money is placed into financial assets that have the potential to increase in value or generate income.

This growth is how long-term wealth is built. Learning how to start building wealth requires a shift from only saving to understanding how investments work.

> Explore the best investment ideas for beginners

Investments support specific financial goals

Not all investments are risky or complicated. Recognizing how to match investments with your goals is an indispensable part of modern personal finance planning. For example, you might keep some money in money market funds for flexibility and place another portion in long-term investments to grow slowly over time.

> Short-term investments vs. long-term investments

> See how portfolio diversification reduces risk

Investing protects against inflation

One of the biggest reasons to invest is to protect your future purchasing power. Inflation makes everyday costs rise gradually. Over 10 or 20 years, this can make a big difference in what your money can buy. Certain investments are designed to grow at a pace that can keep up with or even outpace inflation.

> Learn more about low-risk investments to offset inflation

> Get started with micro-investing strategies

Investing turns you into an active wealth builder

Saving is crucial, but it’s passive. It protects what you already have. Investing, on the other hand, makes you a participant in the growth of your own money. Whether you’re looking for passive income strategies or long-term gains, investing gives you control over your future.

> Explore ideas for passive income

> Read about alternative investments

> Understand your investment options

How Mintos fits into your personal finance journey

Once your foundation is in place, investing becomes a significant part of growing your money. It’s how you turn short-term discipline into long-term opportunity. That’s where Mintos comes in.

At Mintos, we believe personal finance should feel possible at every stage. You don’t need a large portfolio or years of experience to begin. With low entry points and a range of diversified, accessible investment options, Mintos helps you take the next step with confidence.

Here’s how Mintos can support your financial goals:

Loans – Earn regular interest payments, diversify across sectors and regions, and choose between automated or hands-on investing.
Bonds – Invest from €50, earn fixed returns, and diversify your investments. A great option for those looking for steady, passive income.
Passive real estate – Generate monthly rental income from property-backed investments with a lower entry point than direct ownership.
Smart Cash – Access a money market fund with the highest rating that offers higher interest than traditional savings with same-day withdrawals.
ETFs – Invest in ETFs globally with a single portfolio, enjoy diversification, and zero commission fees, starting from just €50.

Disclaimer

Want to learn more?

What’s the best way to invest €1 000? Smart ideas to grow your money

Laura Berkolde — Tue, 06 May 2025 14:30:05 +0000

You’ve likely landed on this page because you’ve set aside €1 000, or you’re close to your goal, and you’re thinking carefully about what to do next. That in itself is a milestone. It means you’ve done more than save. You’ve paused, considered your options, and chosen to move with intention.

The first big step is deciding to invest. The second is doing your research, and that’s exactly what you’re doing now.

On Mintos, we say it often: there’s no such thing as the perfect time to start, and no amount is too small. Whether you’re looking for smart investments with €1000, trying to build passive income with €1 000, or just figuring out the best way to start investing, the point is that you’ve taken the first step.

Treat €1 000 not as a limit, but as an entry point into investing with intention. Used wisely, it can build better habits, unlock sustainable growth, and reshape how you think about money. You don’t have to be wealthy to make thoughtful financial decisions. You need to be intentional.

In this guide, we’ll walk through:

How to invest €1000 based on your goals, risk appetite, and time horizon
Where to find the best ROI for €1 000 without overcomplicating things
Investing €1000 for beginners: how to avoid common mistakes
Tips to turn €1000 into your first step toward long-term growth with a small investment

What do you want this €1 000 to do?

Before choosing where to invest €1 000, take a moment to define what success looks like for you. Are you hoping to generate passive income with €1000? Do you want your money to grow steadily? Or are you mostly here to learn how to invest €1000 with confidence?

These answers shape your entire approach.

When you’re working with a limited amount, your strategy matters more than ever. Every euro should have a purpose. That doesn’t mean putting all your money in one place. In fact, it often means dividing it in a way that balances your goals, your timeline, and your comfort with risk.

A common tactic is to think in rough percentages:

20% kept accessible for emergencies
40% in low-risk investments for stability and income
40% focused on long-term growth with a small investment, even if it comes with more ups and downs

This isn’t a rule, but a launching point to balance flexibility, safety, and growth.

> Understand how risk diversification works

> Learn how to set clear financial goals

How to grow €1 000 by stacking strategies

Once you’ve set your investment goals, the next step is using your €1000 to serve more than one purpose. With a limited budget, you can’t afford to waste opportunities — every euro put towards investing should support growth, income, or learning.

The key is choosing strategies that layer these goals together. Instead of placing your money in isolated investments, you stack intentions. This is one of the best investments for small amounts, for when you want your portfolio to stay simple but effective.

1. Reinvest to amplify long-term returns

This is one of the simplest ways to turn a basic portfolio into a growth engine.

Choose investments that provide regular income
Set your account to automatically reinvest earnings
Over time, your returns earn their own returns, helping you grow €1 000 without needing to add more cash

This strategy combines short-term income with long-term growth from a small investment, making it ideal for beginners looking to build consistency.

> Explore long-term investment strategies

2. Split by time horizon, not asset type

Rather than thinking only in categories, divide your investment based on when you might need the money.

Short-term: place a portion of your €1000 in risk-free investments that are easy to access
Medium-term: allocate part to assets that offer stability and modest income
Long-term: reserve a share for growth-oriented investments that may fluctuate, but have higher potential

This layered timeline gives you flexibility, while keeping each piece focused, a deliberate approach to investing €1 000 for beginners.

> Browse our list of the best investment ideas

> Find out how much money you need to invest

3. Use your earnings to fund your curiosity

When you’re not sure where to invest €1000, begin with structure and experiment on the side.

Build a core portfolio with reliable, lower-risk investments.
Use the income or spare cash flow to experiment with micro investing strategies.
Try smaller positions in new themes, styles, or platforms that interest you.

This is practical for investing in 2025 with €1 000, where the best opportunities may shift quickly, and a flexible mindset matters more than ever.

> Try beginner-friendly micro investing ideas

Common mistakes to avoid when investing €1 000

When you’re getting your feet wet, avoiding a few common missteps can go a long way. These are the habits that often hold new investors back from getting the best ROI for €1 000:

Don’t follow the hype
Viral trends and flashy headlines rarely lead to consistent returns. Investing without research puts your money at unnecessary risk.
Don’t ignore fees
High platform or transaction fees can quietly eat into your returns. Always check for transparent pricing before you commit.
Don’t invest everything in long-term assets
Locking up your entire €1 000 can leave you without access to funds when you need them most. Keep part of your money flexible.
Don’t panic when markets move
Short-term volatility is normal. Selling too quickly can mean locking in losses that might have recovered gradually.
Don’t skip the planning stage
Random investing is rarely effective. Take time to align your decisions with your goals, risk tolerance, and timeline.

Avoiding these mistakes teaches you how to make smart investments with €1 000 from day one. When you’re investing in 2025 with €1 000, clarity and intention matter more than chasing fast wins. The best way to start investing is with patience, not pressure.

> Learn to balance risk and return

Use your €1 000 to build confidence and learn by doing

Treating your €1000 as a practical learning tool ensures you build real experience, understand your emotions around risk, and figure out what kind of strategy fits your life.

You’re not simply choosing assets, you’re training your decision-making muscle.

Here’s how to make this investment work like a live trial:

Think short and long
Divide your money into timelines. Try one short-term investment to keep things flexible, and another with earning potential that you plan to hold for several years.
Try a few different strategies
You don’t need to over-diversify. A couple of clear, intentional bets can teach you more than ten scattered moves.

> Compare popular investment strategies
Reinvest on purpose
Set up automatic reinvestment where possible. Even better, track how compounding affects your returns in the long run.
Explore on a small scale
Use part of your money to try micro investing strategies. This keeps things interesting and keeps you engaged.
Compare outcomes
Set a reminder to check your performance in six months and again in one year. See which approach feels right for you, financially and emotionally.
Reflect before scaling up
The best future portfolio is the one built on insights, not assumptions. Learn from your €1 000 so your next €10 000 is invested with clarity.

Many of the most experienced investors initially started small. Using this amount as a hands-on prototype is one of the most effective ways to avoid amateur mistakes, test your instincts, and explore high-return investments under 1k without pressure.

Track, reflect, and level up your investing mindset

Once you’ve started investing €1 000 as a beginner, take the time to reflect on more than returns. Tracking your own decisions, reactions, and habits gives you long-term clarity when working with a small amount. This is how you turn a first step into a strong foundation for the future.

Here’s what to consider:

Results

Are your investments doing what you hoped they would?

Look at how consistent or unpredictable your returns are.
Even a short-term investment with €1 000 can demonstrate how different strategies behave in real-time.
Focusing on patterns teaches you how to evaluate performance beyond gains or losses.

Decision-making

What made you choose these specific investments?

Did you act on instinct, research, or influence from someone else?
Understanding how you decide helps you avoid reaction-based mistakes and improve your ability to spot smart investments with €1 000 in the future.
It also shows you which types of strategies or themes you’re naturally drawn to.

Emotional response

How did you feel during market dips, gains, or long periods of quiet?
Did you feel nervous, confident, restless, or indifferent?
These emotions reveal how comfortable you are with risk, so you can decide whether your current approach suits you or if you’d prefer more stability or more opportunity for high-return investments under 1k.

Consistency

How often did you check your account, move money, or review your progress?
Did you keep to your plan, or switch things around every so often?
Tracking your behavior gives you insight into your level of discipline, attention, and interest, all of which affect how you’ll scale over time.
It also tells you whether you’re better suited to passive investing or enjoy trying things like micro investing strategies more hands-on.

These reflections turn your €1 000 into a personal roadmap. By the time you’re ready to invest more, you’ll not only understand how your portfolio performed, but how you performed as an investor.

> Get inspired by these passive income ideas

€1 000 is only the beginning with Mintos

The most successful investors don’t wait for the perfect moment, they get into the game, stay dedicated, and keep learning as they gain experience.

You don’t need to be an expert to establish a foundation. You need a plan, a bit of patience, and the confidence to take the first step.

Here are a few truths worth remembering:

Small, intentional moves often outperform big, rushed ones
You don’t need perfect timing, you need time
Clarity is acquired with experience, not before it

At Mintos, we believe investing should be accessible to all investors, not primarily those with large portfolios or years of experience. That’s why we feature a range of diversified products designed to help you start, and build confidence as you progress.

Here’s what you can explore on Mintos:

Loans – Earn regular interest payments, diversify across sectors and regions, and choose between automated or hands-on investing.
Bonds – Invest from €50, earn fixed returns, and diversify your investments. A great option for those looking for steady, passive income.
Passive real estate – Generate monthly rental income from property-backed investments with a lower entry point than direct ownership.
Smart Cash – Access a money market fund with the highest rating that offers higher interest than traditional savings with same-day withdrawals.
ETFs – Invest in ETFs globally with a single portfolio, enjoy diversification, and zero commission fees, starting from just €50.

Disclaimer

Want to learn more?

How to start investing young: A beginner’s guide to building wealth early

Laura Berkolde — Wed, 30 Apr 2025 11:33:20 +0000

So you’ve got a little money, big dreams, and no clue where to start? You’re not alone. Most people don’t talk about investing until they’re older, but the best time to learn how to jump in is when you’re still figuring things out.

If you’re a teenager, new investor, or just stepping into adulthood, investing might feel out of reach. Maybe you think you need thousands saved or a finance degree to get the ball rolling. Spoiler: you don’t. What you do need is time, and if you’re reading this, you’ve already got the biggest advantage in investing, a head start.

Starting small still creates momentum, especially if you’re focused on smart money moves in your 20s, learning about financial planning for young adults, or exploring beginner investing as a student.

In this guide, we’ll break down everything you need to know about how to start investing young, so you can grow your money, hit your goals, and let your future self say thanks later:

Investing as a teenager, with limited income
The best investments for young adults starting out
How to start investing on a budget with low minimums
Simple steps for beginner investing for students
Tools for building passive income for students
Actionable tips for young investors ready to increase wealth

1. Use compound interest to build wealth from a young age

The truth is, when it comes to investing, time matters more than money. The longer your funds stay invested, the more they can accumulate through compound interest.

Imagine two friends:

Emma began investing at 18, putting away €25 per month.
Luca waits until 28, but invests €50 per month, which is twice as much.

Let’s assume they both earn the same average return of around 6%. By age 60, Emma’s €25 monthly contributions over 42 years grow to around €44 800, while Luca’s €50 per month over 32 years adds up to about €47 400. Taking action earlier beats investing more later.

That’s the power of compound growth.

Compound interest for young investors means your investment earns returns, and those returns earn returns too. This snowball effect can turn small amounts into serious wealth.

Starting to invest as a teenager is one of the most effective ways to build wealth from a young age. You’re not just investing money. You’re investing time. For young investors, time is the ultimate asset.

2. Define investment goals and create a plan

Setting clear goals helps you choose the right investment strategy, understand your timeline, and stay motivated. It also makes investing feel more purposeful and less confusing if you’re new to it.

This is where financial planning for young adults begins. Ask yourself what you want to achieve with your money and when you want to achieve it.

Short-term and long-term goals

Break your financial goals into two categories.

Short-term goals are things you want to reach in the next one to three years. These might include saving for a trip, buying a new laptop, or putting down a deposit on your first apartment.

Since the timeframe is short, these goals are better supported by low-risk investing for beginners, such as savings accounts, money market funds, or short-term bonds.

Long-term goals take more time, often five years or more. These could include buying a home, starting a business, or reaching early retirement. Because you have more time, you can afford to take on more risk with the potential for greater reward.

This is where diversified investments like ETFs or investing in loans can accelerate your progress. These are the kinds of goals where compound interest for young investors has the biggest impact.

> Set your path with financial goal planning

Build your plan around your lifestyle

Your financial plan should reflect your real life. As a student, freelancer, or part-time worker, your monthly income might vary. That doesn’t mean you can’t plan. Ask yourself:

How much can I realistically invest each month, even if it’s just €10?
Do I want to split this between short-term and long-term goals?
Would setting up automatic transfers allow me to stay consistent?

This is how you begin to make smart money moves in your 20s, before your earnings increase. You don’t need to have everything figured out. You just need to take the first step and build your life with intention.

> Discover the best investment ideas

3. Master the basics of investing

In investing, there are different ways to multiply funds. The path you choose depends on what you’re aiming for, how long you’re willing to wait, and how much risk you’re comfortable with.

Earlier, we talked about short-term and long-term goals. This is where they come in. Short-term goals usually call for safer, low-risk investing. Long-term goals have more time to develop, so you can consider higher-risk options that offer bigger potential rewards.

This is the basic idea behind risk and return. The more risk you take, the more your investment could grow, but also the more it might rise and fall in the short term. Lower-risk investments are more stable, but the returns tend to be smaller.

You don’t have to figure out the perfect mix right away. A good approach for investing as a teenager or anyone starting to invest at 18 is to jump in with a lower-risk strategy and adjust gradually as your confidence and experience evolve. It’s one of the most sensible things you can do if you’re focused on how to build wealth from a young age.

> Read our guide on investment basics

> Check out low-risk investments you can start with

> See ideas for short-term investing

What are you actually investing in?

When people talk about investing, they’re usually talking about assets, these are financial instruments you can buy that either go up in value or earn you money. These assets are grouped into asset classes, and each class comes with its own level of risk and return.

You’ve probably heard phrases like:

“The stock market is up today”
“Bitcoin (crypto) crashed again”
“Real estate always goes up”

These are just different kinds of investments. Some are riskier, like cryptocurrencies or individual stocks. Others are more stable, like bonds or investing in loans. Then there are balanced options like ETFs, which are popular choices for beginner investing for students and anyone looking for the best investments for young adults.

If you’re focused on investing on a budget or want to generate passive income as a student, it makes sense to initially experiment with options that match your timeline and risk level. In the long run, small regular contributions, especially when supported by compound interest for young investors, can create real growth.

> Find out how stocks work

> Get started with cryptocurrency for beginners

> Learn the basics of investing in real estate

4. Choose your investments and build a portfolio

Before choosing what to invest in, you’ll need to open an investment account. This is where your money will go and where your investments will live.

Here are some tips for young investors:

Check for regulation so you know it’s legit and secure
Look for low or transparent fees to keep more of your earnings
Pick a user-friendly platform that’s easy to navigate
Kick things off with beginner-friendly options like diversified or low-risk products
Use platforms with learning tools so you can expand your knowledge as you invest
Enable automation to stay on track without constant effort

Knowing how to open an investment account is a key step in taking control of your finances. Once your account is ready, you can tackle building a portfolio that fits your goals and timeline.

> Consider the best investment apps of 2025

Types of investments you can start with

Once your investment account is set up, the next step is deciding where to put your money. Different investments suit different goals, timelines, and comfort levels with risk.

The best investments for young adults are predominantly simple, diversified, and easy to manage. They’re a great place to pick up if you’re new to the market. This is also why starting to invest early matters.

Investment type	What it is	Risk Level	Time horizon	Good for
ETFs	Bundles of assets like stocks or bonds you can buy in one go	Medium	Long-term	Diversification and long-term growth
Loans	Investments tied to consumer or business loans offered by lending companies	Medium to high	Short to medium term, and often not as long as traditional investments	Earning regular interest income
Bonds	Loans to governments or companies that pay fixed interest	Low to medium	Short to medium	Stable income and capital protection
Savings account or money market funds	Very low-risk accounts or funds that earn modest interest	Low	Short-term	Emergency funds or short-term goals

Low-risk investing for beginners allows you to test the waters without feeling overwhelmed. Over time, you can adjust your mix as you learn more and gradually become more confident in your strategy.

> Or explore alternative investments

5. Make investing a habit

You don’t need a lot of money to pursue investing. In fact, the best time to take action is when you have just a little to spare. This makes investing with little money ideal for anyone getting off the ground. The goal is to build the habit, not hit a target amount.

What matters most is being consistent. By setting up a regular investing routine, you give yourself the chance to build confidence, develop your portfolio, and cultivate strong money habits.

These beginner-friendly strategies can be beneficial:

Dollar-cost averaging

One of the best strategies for investing on a budget is dollar-cost averaging. This means investing the same amount regularly, no matter what the market is doing.

For example, let’s say you invest €50 every month. In January, the price is €10 per unit, so you buy 5 units. In February, the price drops to €8, so you buy 6.25 units. In March, it rises to €12, and you buy 4.17 units. Over time, your average cost per unit ends up being lower than the average market price, because you buy more units when prices are low, and fewer when prices are high.

This approach is ideal for beginner investing for students or anyone investing with little money. It’s also one of the most effective ways to start investing early, especially if your goal is to build wealth from a young age.

> Learn how dollar-cost averaging works

Micro-investing

Micro-investing is designed for people who want to invest, but don’t have a lot of spare cash. It allows you to invest very small amounts, a few euros at a time, through round-ups, recurring transfers, or on-demand contributions.

Why it works:

It automates the habit with minimal effort
It lowers the barrier to entry
It lets you gain momentum if you’re not ready for larger contributions

> Check out how to start micro-investing

Passive income from investments

As your investments begin to generate returns, you can withdraw the earnings and use them as passive income. Instead of reinvesting, you take the returns out to support your lifestyle, cover expenses, or save for new goals.

Get going:

Choose income-generating assets that pay monthly or quarterly interest
Set up automatic payouts so your earnings are paid out as passive income directly into your account
Track your earnings to see how your passive income expands

Creating passive income for students or early investors takes time, but reinvesting your earnings is the first step. Build income that accumulates quietly in the background.

> Discover passive income ideas

Start small and think big with Mintos

You don’t need a fortune to begin investing. What you require is a plan, a goal, and a platform that supports you from day one. That’s where Mintos comes in.

Mintos gives you access to income-generating investments that are easy to understand and simple to manage. Whether you’re still figuring out how to invest at 18, learning how to open an investment account, or already working toward how to build wealth from a young age, Mintos is designed to meet you where you are.

Make the move today. Your future self will thank you! Here’s what you’ll find on Mintos:

Loans – Earn regular interest payments, diversify across sectors and regions, and choose between automated or hands-on investing.
Bonds – Invest from €50, earn fixed returns, and diversify your investments. A great option for those looking for steady, passive income.
Passive real estate – Generate monthly rental income from property-backed investments with a lower entry point than direct ownership.
Smart Cash – Access a money market fund with the highest rating that offers higher interest than traditional savings with same-day withdrawals.
ETFs – Invest in ETFs globally with a single portfolio, enjoy diversification, and zero commission fees, starting from just €50.

Disclaimer

Want to learn more?

When to start investing: Why the best time is usually now

Laura Berkolde — Mon, 28 Apr 2025 13:00:13 +0000

If you’ve been asking yourself, “should I start investing now?”, you’re in good company. It’s one of the most common financial questions, and one of the most paralyzing.

You might be waiting for the markets to calm down. Or for a raise. Or even for that mythical “perfect moment” to move ahead. The perfect time rarely announces itself. As you bide your time, your money sits still, but inflation doesn’t.

The truth is simple, when to start investing is less about timing the market and more about time in the market. The earlier you begin, the more time your money has to grow through compounding and over time, as one of the most reliable ways to build wealth.

Starting with a small amount can also result in a meaningful difference. What matters most is creating the habit, not hitting a target. With platforms like Mintos, getting started is more streamlined than ever.

In this guide, we’ll cover everything you need to move from hesitant to confident:

Why starting investing early beats waiting for a bigger budget
How to know if now is a good time to invest
What to check off before you begin, like goals, debt, and your emergency fund
Ways to start small, including investing with little money
How to avoid common mistakes and take your first steps as a beginner investor

> Check out this guide for investing for beginners

Why starting early beats trying to time the market

Delayed investments can cost you:

Lost time. The earlier you start, the more time your investments have to grow through reinvested returns. Starting five or ten years later may translate to earning significantly less over a lifetime. How early you start investing directly influences your long-term financial outcome.
Mistimed market entry. Trying to predict market highs and lows might result in buying late and missing growth. It’s one of the classic first-time investment mistakes to avoid.
Reduced risk capacity. A shorter investment horizon limits your ability to invest in growth-oriented assets and ride out market ups and downs. Without time on your side, it’s harder to recover from short-term losses. Time reduces risk, not timing.
Lower total returns. Starting late means you may need to contribute more, for longer, to reach the same goals. This is especially challenging if you’re investing with little money.

> Unlock tips to build long-term wealth for beginners

Time in the market vs. timing the market

The concept of “time in the market” refers to the total duration an investment remains actively allocated to financial instruments. Investors benefit from extended investment horizons through compounding, early investing, as well as the recovery periods following market volatility.

To illustrate, consider two hypothetical investors:

Investor A contributes €100 monthly starting at age 25 and continues for 40 years. Assuming a conservative annualized return of 6%, the final portfolio value approximates €198 000.
Investor B initiates the same investment strategy a decade later, at age 35, and continues for 30 years. The resulting value under identical conditions would be approximately €100 000.

Despite identical contribution rates, Investor A achieves nearly double the outcome, primarily due to the extended compounding period. This discrepancy can’t be offset simply by increasing contribution rates at a later stage.

This illustrates why the best age to start investing is as soon as you have money to put aside, no matter how modest the amount.

> How dollar cost averaging supports compounding

What to expect from market fluctuations

Financial markets tend to move in cycles, influenced by economic conditions, policy changes, and investor behavior. Short-term fluctuations are likely to feel unpredictable, but their impact becomes less significant the longer you stay invested.

The European Central Bank reported that euro area markets have weathered several periods of sharp volatility, triggered by geopolitical shocks, elections, or unexpected economic data. Yet these episodes have typically been short-lived.

For instance, in August 2024, markets experienced a major spike in volatility, where prices moved up and down more sharply than usual. This was driven by a mix of global uncertainty and monetary policy shifts, but was followed by a swift rebound in asset prices. This pattern shows that over time, markets tend to stabilize, and investors who stay invested through downturns are likely to see their portfolios recover.

The opportunity cost of holding cash

Keeping your money in cash or a regular savings account looks like a safer option, particularly during uncertain times. Over the long run, prices for everyday things like food, rent, and services tend to go up. The same amount of money buys you less in the future, a risk called losing purchasing power.

Although your cash might appear unchanged, its real-world value diminishes over time. That’s why people turn to investments like stocks, property, or bonds. These grow in value over time and help your money keep up with rising costs.

> What is a high-yield savings account?

For instance, €10 000 held in a savings account earning 1% annually will grow to €11 046 over ten years. Adjusted for 3% annual inflation, the real value declines to approximately €8 200, meaning your money would actually lose purchasing power. This means your money would buy less in the future than it does today. In contrast, a diversified portfolio earning 4% annually would result in a real value of €12 000, demonstrating not only preservation but real growth.

Delaying investment also results in missing out on the long-term benefits of investing with little money. Modest amounts, when invested early, have the potential to deliver substantial gains over decades.

> Learn how long-term investments can lead to stronger returns

How to prepare before you invest

Starting early improves long-term investment outcomes. Nonetheless, entering the market without financial safeguards leads to unnecessary risk. Before determining when to start investing, evaluate your financial situation through the lens of stability, resilience, and goal alignment.

1. Liquidity and emergency capital reserves

A well-funded emergency reserve is a non-negotiable prerequisite for investing. Unexpected events force premature asset liquidation if sufficient cash is not available.

Best practice suggests holding three to six months of essential living expenses in easily accessible cash or savings. For individuals with variable income or dependents, a more conservative buffer of up to twelve months is advisable. These funds should be kept in low-risk, accessible places such as savings accounts or money market funds, rather than in volatile investment products.

Establishing this safety net ensures that your investment capital remains untouched, particularly when short-term financial needs arise.

> How to build an emergency fund

2. Manage debt

Before you begin investing, review your current liabilities. If you’re carrying high-interest consumer debt, such as credit cards or payday loans, it may be more beneficial to focus on repayment first.

The cost of that debt is generally higher than what you’d earn from investing. On the other hand, low-interest debt like a mortgage or student loan doesn’t always need to be paid off before you invest. The goal is to keep a healthy balance so you’re not stretching your finances too thin.

3. Define investment goals and time horizons

Setting specific financial goals is fundamental to successful investing. Before selecting products or platforms, ask yourself what you’re working toward. Common objectives include:

Retirement savings
Down payment for real estate
Education funding
Wealth accumulation for general long-term growth

Each objective should have a defined time horizon and target value. Short-term goals (0–3 years) require capital preservation and higher liquidity.

Medium to long-term goals (5+ years) accommodate higher-risk allocations with greater growth potential, including equity-linked ETFs or diversified loan-backed securities.

> Setting financial goals: How to plan for the future

4. Assessing risk tolerance and capacity

Understanding how much risk you can absorb financially and psychologically. First-time investors might overestimate their comfort with volatility until they experience a market downturn.

Risk tolerance refers to your emotional ability to withstand fluctuations, while risk capacity reflects your financial strength. Age, income stability, and family obligations all play a role.

For example, a 28-year-old with minimal debt and consistent income may choose a higher-risk, higher-reward portfolio. A 55-year-old preparing for retirement may opt for more conservative allocations, emphasizing income stability and capital preservation.

Platforms like Mintos allow users to select from automated investing options that match their individual risk profile, to balance growth and security based on personal circumstances.

Once these foundational elements are in place, an investor is well-positioned to initiate a long-term investment strategy. Readiness makes sure your investments are structured to support, not jeopardize, overall financial health.

> Avoid common first-time investor mistakes

> Understand risk and return before you invest

> A guide to investment risks

Delaying your first investment can be more risky than starting small

Many potential investors, especially those early in their financial journey, hesitate to begin because they feel unsure about the timing. Reacting to short-term noise often comes at the expense of long-term gains. Instead, building a sustainable investment habit early, regardless of market fluctuations. This has the potential to have a far greater impact on long-term wealth.

How early should you start investing?

The answer is simple: the earlier, the better. Starting in your 20s can produce significantly better results than larger investments made later in life. Early contributions have more time to benefit from compounding, recover from market downturns, and ride out volatility.

Knowing when to start investing in your 20s can produce a substantial difference, as the benefits go beyond just the math. Younger investors commonly have higher risk tolerance by age, fewer financial obligations, and greater flexibility to adapt strategies over time. These conditions solidify the early years as the ideal window to begin developing long-term financial habits.

Recognizing readiness beyond market signals

Rather than asking “how early should I start investing?”, a more productive question is: am I financially prepared to start? This includes having an emergency fund, manageable debt, and clarity around financial goals. Once these are in place, delaying investment usually comes with forgoing long-term returns—not avoiding short-term risk.

> Proven strategies for building wealth

The cost of waiting to invest

Avoiding investment in hopes of better timing is itself a financial risk. Holding cash may feel safe, but over time, inflation erodes its value. At the same time, not investing means missing out on potential growth, especially the benefits of compounding returns. Alternatively, assets like bonds, ETFs, and diversified loans offer returns that outpace inflation during moderate economic uncertainty.

The cost of waiting is particularly high for first-time investors who may be eligible for automated investment options, fractional products, or platforms with low entry barriers. These solutions make it possible to start building a diversified portfolio with limited capital.

> Best low risk investments for 2025

> Investments other than stocks: Top alternatives for portfolio diversification

Building wealth takes time, not timing

Developing a strategy and sticking to it over time is what drives results. The biggest gains often come gradually, not all at once. This is why knowing how to build wealth over time starts with action, not perfection.

Waiting for certainty in uncertain markets is a paradox. What matters most is beginning when you’re financially able and staying invested with discipline.

> Earn monthly interest on your money

> How to create multiple streams of income

You don’t need a fortune to start investing with Mintos

A common misconception is that investing requires large sums of capital. In reality, investing with little money is not only feasible, it’s a proven strategy for those who start early and stay consistent. Contributions made regularly can compound over time into substantial long-term gains.

One of the most important tips for first-time investors is that the amount matters less than the habit. Starting with €50 a month builds both confidence and momentum. Don’t focus on making the perfect move. Just make a start.

Mintos supports this approach by offering access to diversified income-generating assets with low minimum investments, transparent risk scoring, and automated tools that help you stay invested without daily management. This allows you to grow your portfolio in line with your goals and timeline, not market headlines.

Explore a variety of options tailored to different goals and risk profiles:

Loans – Earn regular interest payments, diversify across sectors and regions, and choose between automated or hands-on investing.
Bonds – Invest from €50, earn fixed returns, and diversify your investments. A great option for those looking for steady, passive income.
Passive real estate – Generate monthly rental income from property-backed investments with a lower entry point than direct ownership.
Smart Cash – Access a money market fund with the highest rating that offers higher interest than traditional savings with same-day withdrawals.

ETFs – Invest in ETFs globally with a single portfolio, enjoy diversification, and zero commission fees, starting from just €50.

Disclaimer

Want to learn more?

How to earn regular income from your investments

Laura Berkolde — Fri, 25 Apr 2025 09:02:15 +0000

It’s only the second quarter of 2025, yet the European economy already faces formidable challenges. A looming recession, historic market volatility, and a trade war between the U.S. and the rest of the world has created uncertainty for which few investors are prepared.

Departing from decades of open trade, the U.S. imposed sweeping tariffs on European goods, including a 25% duty on aluminum and steel. The EU, previously a champion of free markets, is preparing proportionate countermeasures.

These tariffs affect not only manufacturers and governments but also cascade through daily life: As tariffs reduce the competitiveness of EU exports and increase import costs, businesses inevitably pass on these additional expenses to consumers.

The impact of economic instability on regular investment income

Compounding this issue is the slow pace of wage growth in Europe. Reports indicate basic living costs now rise at a rate up to four times faster than salaries. Individuals with fixed incomes find themselves confronted by rising expenses for essentials such as electricity and groceries. As a consequence, purchasing power declines, saving becomes more challenging, and financial stress intensifies.

Adding to these pressures, stock markets have reacted negatively to global tensions, leading to reduced returns even for traditional investment portfolios. Relying solely on capital appreciation provides insufficient protection. Today’s economic reality demands an alternative investment strategy capable of delivering stability, predictability, and consistent income.

In this guide, we’ll explore smart investment methods that generate regular income, even during times of economic instability. You’ll learn how to build a portfolio designed for consistency, not guesswork:

What is regular income, and how can you earn it through investments?
How to earn regular income through bonds, loans, and dividend assets
The best interest-paying investments available to EU-based investors
How to create a regular income portfolio that works in all market conditions
Strategies for minimizing risk while maintaining consistent investment returns

What is regular income, and why does it matter now?

Regular income refers to money you earn at consistent intervals, such as monthly, quarterly, or annually, from investments that generate ongoing cash flow.

Unlike capital gains, which require you to sell an asset to realize value, regular income pays you without needing to offload your portfolio.

This income can come from a variety of sources: the interest from bonds, repayments and interest payments from loans, dividend payouts from stocks or ETFs, or rental earnings from real estate. Each of these is structured to provide consistent payments, allowing investors to maintain liquidity and cover real-world expenses without relying on market timing.

A regular income portfolio gives you exactly that: the ability to generate consistent cash flow, absorb inflation shocks, and maintain financial independence regardless of economic conditions.

This approach is for anyone looking for consistent investment returns, such as:

Individuals approaching retirement who want to replace a fixed salary
Mid-career professionals looking to supplement earnings amid economic uncertainty

Long-term investors who want predictable, re-investable income streams

> How to make money from home

> Best places to invest your money right now

> 10 low-risk investments to consider in 2025

Bonds

When you purchase a bond, you’re lending money to a government or company. In return, they promise to pay you regular interest and eventually return your original investment. This makes bonds valuable for anyone looking for monthly income from investments or aiming to build a regular income portfolio.

Government bonds are considered safer than other fixed income investments because defaults by stable governments are rare. The reliability of government bonds stems from the overall economic strength, stability, and long-term viability of the issuing country, which are factors that make it unlikely to “go out of business” or fail to meet obligations. This makes government bonds a reliable choice for those seeking monthly income or building a regular income portfolio that can withstand economic uncertainty.

German Bunds

Investors frequently choose German government bonds (Bunds) because Germany’s economy is stable, its government manages finances well, and it consistently repays debts. These factors make Bunds highly reliable, resulting in relatively low interest rates.

French OATs

Recently, French government bonds (Obligations Assimilables du Trésor or OATs) began paying slightly higher interest rates compared to German bonds, creating a wider yield difference. This widening occurs when investors become less certain about a country’s economic stability, prompting them to demand higher interest payments to offset perceived risks.

> Understanding investment risks

Italian BTPs

Italian government bonds (Buoni del Tesoro Poliennali, or BTPs) typically offer higher yields than German Bunds or French OATs. That’s because investors view Italy as having higher economic and political risk, including elevated debt levels and slower economic growth. To compensate for this additional risk, investors demand higher interest payments. This risk-return tradeoff means BTPs can offer attractive income potential, but with greater sensitivity to market sentiment.

As mentioned earlier, bond prices and yields react to economic and political shifts, such as the ongoing U.S.-EU trade dispute, which can influence interest rates and impact returns. his reinforces the importance of staying aware of market conditions when looking to earn income through bonds and build regular passive income strategies with government bonds.

> Learn more about bonds on Mintos

Loans

Loan investments allow individuals to earn regular interest by financing personal or business loans through regulated platforms. Instead of relying on a bank to distribute capital, investors fund loan-backed investments offered by lending companies and earn interest from borrower repayments.

These payments are typically made monthly, making loans a strong option for generating monthly income from investments and building a regular income portfolio.

This type of investment is structured to generate monthly income from investments, especially when accessed through licensed loan marketplaces. Over time, repayments include both interest and principal, which makes loans an effective tool for anyone looking to create a regular income portfolio.

Investing in loans is seen as more flexible than traditional fixed income investments like bonds. Because you can spread your investment across many loans, and in some cases, repayments can be reinvested automatically, it’s easier to manage cash flow and tailor your returns to personal income needs. For investors focused on consistent investment returns, loans offer the advantage of predictable, recurring payments with higher potential yields, though that comes with higher risk too.

> What is risk diversification, and why is it essential in 2025?

Consumer loans

Many European platforms offer access to consumer loans, which are personal loans taken by individuals to cover everyday needs. These loans regularly generate interest rates between 8% and 12% annually, with repayments made monthly.

For example, an investor allocating €1 000 across 40–50 short-term consumer loans might begin receiving repayments (including interest) within the first 30 days. This steady stream of payments creates a foundation for building regular passive income strategies.

Business loans

Loans issued to businesses commonly deliver higher returns, typically between 10% and 14%. These are interest-paying investments that generate predictable monthly cash flow and support regular passive income strategies, especially when repayments are reinvested to increase long-term gains.

With a minimum investment of €50, Mintos makes it easy to access consumer and business loans, in order to create a steady stream of income across a well-diversified portfolio, with multiple ways to invest:

Core Loans: a ready-to-use, automated portfolio for hands-off, steady income
Custom Loans: automated but investor-directed, with adjustable criteria
Manual selection: handpick individual investments for more control

These flexible options help investors earn monthly income from investments while adapting risk and return to personal goals.

> Key benefits of automated investing

> Understanding risk and return: A guide for investors

Diversification and risk management

On Mintos, investors can spread their capital across hundreds of loans from different countries, industries, and lending companies. This built-in diversification is one of the platform’s biggest strengths and a crucial factor for anyone aiming to build a resilient regular income portfolio.

In the current economic environment, diversifying across asset types and regions helps reduce the risk of income disruption. Mintos offers access to loans from over 20 countries and dozens of vetted lending partners, which helps insulate your portfolio from localized economic shocks or downturns in specific markets.

This balance of control, protection, and passive income potential is what makes Mintos one of the most compelling platforms for those seeking interest-paying investments with real-world flexibility.

> How to invest in loans on Mintos for stable returns

ETFs

ETFs are one of the best ways to earn steady income because they combine consistent returns, diversification, and low fees. They track indexes made up of stocks, bonds, or both, giving investors exposure to hundreds of assets through a single product. Many ETFs are designed to generate cash flow, either through interest from bonds or dividends from equities, so they are ideal for building stable investment income over time.

Income-focused ETFs, such as those holding short-term bonds or high-dividend stocks, support financial planning for regular income while keeping risk levels manageable. Some distribute earnings monthly, aligning well with investors seeking investments that pay monthly, while others reinvest returns automatically, useful for compounding and balancing long-term vs. short-term income strategies.

Investors use ETFs to pursue both growth and income, which makes them a key building block in any diversified regular income portfolio. A dividend income strategy built around ETFs can provide a steady stream of returns while maintaining diversification across sectors and geographies.

Access income-generating ETFs from just €50

Mintos gives investors access to professionally curated ETF portfolios designed to deliver consistent investment returns while keeping costs low and entry barriers minimal. With a starting investment of just €50, investors can build globally diversified portfolios across stocks and bonds, tailored to both risk preferences and income goals.

ETF portfolios on Mintos include exposure to multiple asset classes: developed market stocks, Eurozone corporate bonds, government bonds, and emerging markets. This built-in diversification helps support both long-term income strategies and more flexible financial planning for regular income.

> What are ETFs?

> 5 Best ETF trading strategies for beginners in 2025

> ETFs vs. mutual funds: A comprehensive comparison

> The difference between ETFs and index funds

Real estate

Real estate is a time-tested way to generate stable, long-term returns, and it’s increasingly accessible to individual investors through digital platforms. Investing in real estate a key strategy for investors focused on how to generate income from investments.

Investments such as real estate crowdfunding and REITs (real estate investment trusts) are structured to deliver monthly income from investments, typically through rent-backed distributions. These income streams can support both short-term cash flow needs and long-term portfolio goals, depending on how earnings are managed.

Because real estate income is backed by tangible assets, it is expected to offer stable investment income even during periods of economic volatility. Properties generally appreciate over time, and rent payments tend to rise with inflation. Investors maintain purchasing power while earning consistent investment returns.

Real estate can also play a central role in balancing long-term vs. short-term income. Some investors prioritize immediate payouts, while others reinvest income to expand their property exposure over time. Either way, the asset class offers flexibility and reliability that align with broader fixed income investment goals.

> Understanding asset classes: A comprehensive guide

Earn passive rental income from real estate

Mintos makes real estate investing simple and accessible by allowing investors to earn rental income from residential properties without having to buy a whole property. With a minimum investment of just €50, you can generate regular income from rent payments while also benefiting from potential long-term property appreciation.

Unlike traditional real estate, there are no complicated purchasing processes, ongoing maintenance, or large upfront costs. Income is distributed from collected rent, and investments are backed by physical properties. For added flexibility, the Mintos Secondary Market provides an option to access your funds earlier if needed—making it easier to build a property-backed regular income portfolio without long-term lock-ins.

> A beginner’s guide to passive real estate investing

Turn regular income into a long-term strategy with Mintos

In today’s economy, relying on growth alone isn’t enough. With rising prices, unstable markets, and wages that can’t keep up, many investors are looking for income they can count on, not just someday, but every month. That’s where a regular income strategy comes in.

To build consistent cash flow, you need more than just the right asset types. You need access to investments that pay you reliably, tools to manage risk, and the flexibility to adjust when markets change.

Mintos brings together a wide range of income-generating assets, from loans and bonds to ETFs and real estate, all in one platform. With low entry points, flexible reinvestment options, and transparent risk profiles, Mintos helps you turn your income goals into real, trackable results.

Explore a variety of options tailored to different goals and risk profiles:

Loans – Earn regular interest payments, diversify across sectors and regions, and choose between automated or hands-on investing.
Bonds – Invest from €50, earn fixed returns, and diversify your investments. A great option for those looking for steady, passive income.
Passive real estate – Generate monthly rental income from property-backed investments with a lower entry point than direct ownership.
Smart Cash – Access a money market fund with the highest rating that offers higher interest than traditional savings with same-day withdrawals.
ETFs – Invest in ETFs globally with a single portfolio, enjoy diversification, and zero commission fees, starting from just €50.

Disclaimer

Want to learn more?

Understanding risk and return: A guide for investors

Laura Berkolde — Wed, 23 Apr 2025 08:04:00 +0000

As the investment landscape evolves, new trends, asset classes, and a changing macroeconomic environment alter traditional investing norms. So when it comes to achieving investment goals, the balance between risk and return has become a critical consideration.

With new trends, emerging asset classes, and fluctuating economic conditions, traditional norms for managing risk and maximizing returns are evolving. To make smart investment decisions, we suggest investors familiarize themselves with risk and return in investments. This article offers a detailed look at various asset classes to explain the risk-return tradeoff and help investors manage risk in investing, particularly in 2025’s unique market environment.

For those looking to build a diversified portfolio, understanding how to calculate risk and return can be a game-changer. By gaining insight into high-risk, high-return investments versus low-risk, low-return investments, investors can better match their financial goals with their risk tolerance.

To deepen your knowledge, read our guide on risk diversification and learn more about the Mintos approach to managing risk and return in investment portfolios.

In this guide, we’ll cover

Risk and return in investments
Risk vs. return across asset classes
How to calculate risk and return
Examples of risk and return in investing
Risk-adjusted return and why it matters
High-risk, high-return vs. low-risk, low-return investments
Managing risk in investing today
Investment strategies for 2025 and beyond

> Learn more about understanding investment risks

Risk and return in income-producing assets

Stocks (Equities)

Stocks continue to be a go-to asset class for global investors. With above-average returns, this asset class has stood the test of time, making stocks a strong example of high-risk, high-return investments.

Can past performance predict future returns?

While past performance is often referenced in evaluating stocks, it has both its strengths and limitations. Looking at historical data helps capture patterns across economic cycles, offering a reasonably accurate picture of how stocks might perform under similar conditions. Research also suggests that stocks priced lower relative to their earnings tend to achieve higher future returns.

However, relying too heavily on historical data has its drawbacks. Over longer periods, shifts in economic conditions, changes in accounting standards, and evolving market dynamics can all impact the accuracy of predictions.

What are the factors influencing stock returns?

Various business and sector-specific factors influence stock returns, some broader economic and regulatory factors also play a significant role. These assume that investors act rationally—taking only systematic and market risks into account. In reality, investor behavior can be unpredictable, and sentiment significantly impacts returns.

For more on balancing risk and return in your investment strategy, see our article on investment strategies.

Real estate

Real estate remains a popular choice for diversifying investment portfolios because of its ability to hedge risk. Not only against other asset classes like stocks and bonds but also against broader economic risks, including inflation.

Returns have varied significantly year-on-year, highlighting real estate’s risk-return tradeoff as both an income-producing and inflation-resistant asset class. For those seeking passive real estate investing strategies, balancing risk and return is key.

What factors influence real estate returns?

1. Market and regulatory factors: These include influences from global markets, local economic shifts, and changes in regulations.

2. Property-specific factors: These encompass physical, operational, and financial considerations tied to each property.

Understanding risk and return in real estate also means being aware of how unexpected costs—such as those from regulatory changes or information gaps regarding market fundamentals—can impact returns.

For passive real estate investors, these factors are especially important, as they can significantly affect both income stability and long-term growth.

How is climate change shaping real estate risk?

Real estate investments are susceptible to changes in the physical environment – something that’s evolving faster than ever before. From rising maintenance budgets to new costs related to sustainable energy requirements, environmental changes are rapidly altering the risk-return tradeoff in this asset class. Climate-related adjustments are becoming more costly, with some regions facing greater property risks than ever before. These trends are crucial for risk and return in investments as investors evaluate long-term real estate performance.

To dive deeper into passive real estate investing, see our guide on what is passive real estate investing.

Bonds

Bonds are a staple in diversified investment portfolios because of their historical stability and utility as risk-hedging assets. However, the dynamics of bond returns are evolving, with risk-adjusted returns impacted by inflation and economic shifts.

What factors influence bond returns?

Government bonds are generally seen as low-risk, low-return investments, often used to hedge risk in portfolios. Yet, rising inflation has put downward pressure on nominal bond returns, as they lack inflation protection. As inflation persists, the risk-return tradeoff becomes more pronounced, potentially reducing the benefits of traditional government bonds in diversified portfolios.

This situation has prompted some investors to turn to inflation-linked bonds, which offer more consistent returns during inflationary periods. Inflation-linked bonds may be especially valuable in today’s economic climate, as their risk-adjusted returns remain stable despite inflationary pressure.

Bonds on Mintos: A flexible alternative

At Mintos, investors can access a curated selection of bonds, with a low minimum investment of just €50. Unlike traditional bond investing which requires large capital outlays, Mintos makes it easier for retail investors to gain exposure to bonds and stabilize your portfolio with a less volatile asset.

Investors earn regular coupon payments and have the option to sell their bonds on the Mintos Secondary Market, providing liquidity and flexibility when managing risk and return in investments.

How does investing in bonds work?

When you invest in a bond on Mintos, you’re purchasing a financial instrument that pays regular interest, known as coupon payments, until maturity. At the end of the term, you’re expected to receive the bond’s face value, subject to the issuer’s ability to meet their obligations. This predictable income can help stabilize your portfolio and improve your risk-return tradeoff, especially when combined with other assets.

What are the benefits of bonds on Mintos?

1. Affordability: Start investing in bonds from just €50, making it easy to diversify across multiple issuers and industries even with limited capital.

2. Liquidity and flexibility: Bond-backed securities listed on Mintos can be sold on the Secondary Market, so you’re not necessarily locked in until maturity. This adds flexibility for adjusting your portfolio or accessing funds when needed.

3. Enhanced diversification: Adding bonds to your investment strategy can reduce overall portfolio risk. This helps improve your risk vs. return balance, especially for those looking to stabilize returns without taking on too much risk.

How bonds fit into a diversified investment strategy

For investors seeking stability, bonds can serve as a stabilizing force in a diversified portfolio, complementing higher-yielding or more volatile assets like equities. In 2025, with increased market uncertainty, bonds can play a key role in managing risk in investing and achieving a more predictable outcome.

To learn more about how bonds can help with understanding risk and return and how they fit into investment strategies for 2025, check out our full guide on bond investing. It’s a great place to start if you’re looking to optimize your risk vs. return in today’s market.

Investing in Loans

Alternative income-producing assets, like loans, have become increasingly popular among investors seeking higher returns. Traditionally, the loan investment market was limited to banks and large institutions. However, thanks to platforms like Mintos, retail investors worldwide now have access to loan investments, opening up new possibilities for risk and return for beginners, as well as seasoned investors.

On Mintos, investors benefit from the unique advantages of loans as an asset class, particularly through Mintos’ convenient access to diversified loans across multiple regions and borrower profiles. Loan investments offer a steady income stream and add diversification to portfolios by improving risk vs. return dynamics.

What factors influence returns on loan investments?

Like most investments, investing in loans involves some level of risk. Here are the main factors that influence loan investment returns:

1. Loan-specific risks: Sometimes, borrowers may miss payments or repay loans early, which can reduce investor returns. In cases of borrower default, a lending company might not recover the entire amount owed, impacting repayments.

2. Lending company-specific risks: The financial health of lending companies directly affects loan investments. A lending company may face operational challenges or even bankruptcy, which can impact its ability to meet obligations such as buybacks or timely payments to investors.

3. Regulatory and compliance risks: Lending companies and investing platforms operate under country-specific laws and regulations. Changes in these standards can impact business operations and, in turn, investor returns.

How do loan investments fit into a diversified portfolio?

For those building a diversified portfolio, loan investments offer a compelling example of the risk-return tradeoff. Loans tend to have a low correlation with other asset classes like stocks and bonds, helping investors achieve a more balanced risk and return in investment portfolios. On Mintos, many lending companies offer a 60-day buyback obligation, providing an additional layer of security for investors by helping to mitigate some common risks in loan investing.

With these unique attributes, loan investments are a valuable addition for beginners and experienced investors alike, serving as examples of risk and return in investing through varying levels of risk and potential return. This makes them particularly relevant in today’s market, where understanding risk and return and adjusting your approach to risk vs. return are more important than ever.

To learn more about the Mintos approach and start exploring loan investments as part of your investment strategy, see our article on how to invest in loans.

ETFs (Exchange-Traded Funds)

ETFs offer a simple, cost-effective way to gain exposure to a wide range of assets, from stock indexes to industry sectors and even commodities. They’ve become a core component of many diversified portfolios, particularly for passive investors.

ETFs are usually considered lower-risk, lower-return investments compared to individual stocks, although their risk and return depends on the assets they track. For example, an ETF tracking government bonds will have different characteristics than one focused on emerging markets or technology stocks.

In terms of the risk-return tradeoff, ETFs are often seen as balanced. They provide risk-adjusted returns through built-in diversification, making them a smart choice for investors who want to balance risk and return without picking individual securities.

If you’re new to investing or exploring risk and return for beginners, ETFs can be a practical entry point.

> 5 best ETF trading strategies for beginners in 2025

Commodities

Commodities, like natural gas, oil, and agricultural products, are physical assets that tend to behave differently from traditional financial investments. This makes them powerful tools for diversification and managing exposure to macroeconomic risk and return.

Historically, commodities have shown a high-risk, high-return investment profile. Their prices are influenced by global supply and demand, geopolitical tensions, and weather events. As a result, they can be highly volatile, but also serve as a hedge, especially during inflationary periods or economic uncertainty.

For investors looking to round out their portfolios, commodities represent an alternative way to optimize risk vs. return in a volatile market. And when used strategically, they can enhance the risk-adjusted return of a well-balanced investment strategy.

To explore alternative investments for diversification, commodities may offer a compelling, if more volatile, path.

> What are alternative investments?

How is risk and return calculated?

At a basic level, return is what you earn on an investment, usually expressed as a percentage. For example, if you invest €1 000 and earn €100 in a year, your return is 10%.

Risk is the possibility that your return will differ from what you expect, often measured by volatility (how much an asset’s price or return fluctuates over time). The more it swings, the higher the risk.

A common way to evaluate them together is through the risk-adjusted return. This tells you how much return you’re getting for each unit of risk. A higher risk-adjusted return means you’re being compensated well for the risk you’re taking.

Imagine two investments:

Investment A returns 8% per year on average, but its value doesn’t fluctuate much. One year it might return 7.5%, another year 8.5%, but it stays steady.
Investment B returns 12% per year on average, but it’s highly volatile. Some years it jumps to 20%, others it drops to -5%.

At first glance, Investment B seems more attractive because it offers a higher return. But the swings mean it’s also riskier as you might not get that 12% in any given year. If you’re relying on predictable income or trying to avoid losses, that volatility could be a deal-breaker.

Now, when you calculate the risk-adjusted return, you’re essentially asking: “How much return am I getting for each unit of risk I’m taking?”

In this example, Investment A might have a higher risk-adjusted return, because it delivers steadier performance relative to its risk. Investment B, while potentially more profitable, requires you to accept much more uncertainty.

So even though Investment B has the higher raw return, Investment A might actually be the smarter choice depending on your goals, especially if you’re focused on managing risk in investing or building passive income with low risk in 2025.

Want to dive deeper? Tools like the Sharpe Ratio and standard deviation are often used for more advanced analysis.

> 10 investing mistakes to avoid for beginners

How to navigate risk and return in a changing market

In 2025, investors face a different kind of challenge, not just picking the right asset class, but interpreting risk and return through a new lens.

Macroeconomic risk and return factors like persistent inflation, shifting interest rates, and global policy changes are altering how traditional assets behave. Meanwhile, climate risk and investments are increasingly linked. For example, long-term real estate and infrastructure projects now come with exposure to environmental disruptions and regulatory pressures tied to sustainability.

Against this backdrop, investors looking for passive income with low risk in 2025 are reevaluating where stability really lies.

What often trips up investors isn’t a lack of knowledge, it’s relying too heavily on historical assumptions. Risk isn’t static. What looked like a low-risk, low-return investment five years ago might carry different exposure today. Similarly, some high-risk, high-return investments now offer less upside than expected due to tighter margins or market saturation.

> Best places to invest your money right now

To move forward with confidence, it helps to sharpen your toolkit:

Learn how to calculate risk and return with updated metrics that reflect today’s conditions, not just yesterday’s data.
Revisit your portfolio with a focus on risk and return analysis across asset classes.
Explore alternative investments for diversification, especially those offering non-correlated income streams.

Use our resources to understand risk and return in a volatile market, and how Mintos can help you balance risk and return in your personal strategy.

Balance risk and return with Mintos on your investment journey

Mintos empowers investors to access a wide range of assets, making it easier to tailor a portfolio that matches individual risk tolerance and return expectations. For beginners new to risk and return, or investors seeking portfolio enhancement, Mintos offers a streamlined platform with tools designed for both simplicity and customization.

Investors on Mintos can benefit from diversified, income-generating options across global markets, alongside a variety of automated investing features. These tools help minimize the hassle of managing each investment and support a hands-off approach to passive income generation, a valuable choice for those balancing other commitments.

If you’re aiming to build a portfolio that performs well in the current market environment, Mintos can help you achieve this by offering resources and insights, including guides on setting financial goals, a long-term investments guide, and low-risk investments. Mintos makes it easy to approach risk and return in 2025 with confidence, drawing from our data-driven insights, real-time market updates, and extensive educational materials.

Ready to get started? Explore investment options on Mintos today and begin building a portfolio that aligns with your financial goals and helps you achieve a balanced approach to risk and return.

Want to learn more?

Disclaimer:

This is a marketing communication and in no way should be viewed as investment research, investment advice, or recommendation to invest. The value of your investment can go up as well as down. Past performance of financial instruments does not guarantee future returns. Investing in financial instruments involves risk; before investing, consider your knowledge, experience, financial situation, and investment objectives.

Fixed income returns: How to earn steady and predictable income

Laura Berkolde — Wed, 16 Apr 2025 11:19:45 +0000

When markets swing and headlines stir panic, stability becomes more valuable than ever.

Fixed income covers a wide range of assets, each with its own return structure and risk profile. The way a government bond generates income differs from how a consumer loan or a fixed income ETF functions. Differences shape how each asset fits into a broader investment strategy and what kind of income it can realistically provide.

In this guide, we’ll explain what fixed income returns are, how they’re calculated, and how to use them to build a stable, income-generating portfolio, step by step.

What are fixed income returns, and how do they work?
How to invest in fixed income investments with confidence
The best fixed income investments available in the EU
How to generate passive income with bonds and loans
Key risks of fixed income investments and strategies every investor should know

Looking for a more predictable way to grow your money? Let’s get into it.

What are fixed income returns?

Fixed income returns refer to the interest an investor earns from an asset that pays out on a fixed schedule. These payments are not tied to market movements or company profits, they are written into the terms of the investment at the start. This structure makes fixed income assets more predictable than equities or other growth-oriented instruments.

For example, a government bond might pay 1.5% annually for ten years. That percentage is fixed when the bond is issued. As long as the issuer does not default, the investor knows exactly how much income to expect and when. Predictable payouts are what define what fixed income returns are, and why they matter to income-focused investors.

> How to create multiple streams of income: 10 ideas for financial growth

Fixed income vs. variable income investments

With fixed income investments, an investor knows exactly when income will arrive and how much it will be. The payment schedule and amount are set in advance, making them easier to plan around.

Variable income, by contrast, depends on external factors. Dividends from stocks may fluctuate or stop. Rental income can shift with occupancy. Some funds adjust their distributions based on market conditions or portfolio performance.

Fixed income brings predictability. Variable income introduces more flexibility and growth potential. Both can play a role in a diversified strategy, but they serve different purposes, especially when reliable cash flow is the priority.

Types of fixed income investments in Europe

Across Europe, investors have access to a broad range of instruments that generate fixed income returns. While the structures vary, fixed income assets all share one feature, they pay income on a predefined schedule.

Examples include:

Government bonds

Issued by national governments, these are considered among the most stable fixed income investments. Instruments like German Bunds and French OATs deliver predictable returns and carry strong credit ratings. For investors focused on safety and long-term income, sovereign bonds remain a core component. In low-rate environments, returns may be modest, but the reliability is unmatched.

Corporate bonds

Corporate bonds function similarly to sovereign bonds but are issued by companies. They usually provide higher returns to compensate for increased credit risk. Available across investment-grade and high-yield segments, corporate bonds appeal to those seeking better yields and willing to accept greater variability in creditworthiness. These are accessed via traditional brokers or through fixed income ETFs.

> What are bonds? A beginner’s guide to bond investments in 2025

Loan-backed securities

Loan-backed securities are structured from pools of consumer or business loans, which generate monthly interest income. For investors seeking stable returns from fixed income, investing in loans enables exposure to different regions, industries, and risk profiles.

Platforms like Mintos make these assets accessible to retail investors, from just €50.

> See how to invest in loans through Mintos

Fixed income ETFs

ETFs focused on fixed income provide access to a diversified portfolio without the need to select individual securities. Such funds track baskets of government and corporate bonds, or Notes, distributing returns based on the performance of underlying holdings. If you’re comparing fixed income ETFs vs. individual bonds, ETFs provide lower entry points, daily liquidity, and lower fees.

How to invest in fixed income investments

Fixed income investing for beginners tends to start with the appeal of predictable income, but not all fixed income assets behave the same way. The way returns are generated depends on more than just the interest rate. It also comes down to duration, credit quality, and how the income fits into a broader portfolio.

5 factors that shape fixed income returns

1. Interest rate

The stated coupon determines the income an investor receives. Higher returns may indicate elevated risk, particularly in high-yield fixed income securities. Finding the right balance between yield and stability is a key part of building the best fixed income investment strategy.

2. Duration

Short-term fixed income investments provide quicker turnover and can be less volatile. Long-term options may feature higher returns, but they are more exposed to interest rate fluctuations. This matters when considering how interest rates affect fixed income returns, especially in a rising rate environment.

> Top investment options: Find the best fit for your financial goals

3. Credit quality

Government bonds typically carry lower credit risk than corporate bonds or private loans. Many platforms that give investors access to loan-backed securities or online fixed-income investments include tools to assess risk, which is necessary for beginners exploring fixed income investing or looking to avoid concentrated exposure.

4. Payout structure

Some investments pay monthly. Others quarterly or annually. Matching the payout frequency to your income needs can make a difference if you’re planning to generate passive income with bonds or loan-backed securities.

5. Access and liquidity

Direct bond purchases may require a broker or larger capital. Others, like fixed income ETFs, offer lower entry points and easier access.

> Understanding investment risks: A comprehensive guide

Fixed income yield calculation: Why price affects return

Yield reflects both the interest paid and the price of the investment. A bond with a €1,000 face value and a 5% coupon pays €50 per year. If an investor buys it for €950, the effective yield rises above 5%. This change can signal greater return potential, or increased credit or liquidity risk. Comparing fixed income investments without calculating yield can lead to misleading assumptions, especially when evaluating high-yield fixed income securities.

How to generate passive income with bonds and other assets

Generating passive income through fixed income assets means creating a flow of interest payments that arrives consistently, without needing to sell your investments. This structure supports long-term goals, supplements active income, and adds predictability to portfolios that may otherwise rely on growth from equities.

When comparing bonds vs. fixed income investments more broadly, bonds remain foundational, but newer options like loan-backed securities and fixed income ETFs expand the range of tools available for generating regular income. Each instrument structures its return differently, through coupons, interest repayments, or portfolio distributions, but the goal remains the same: consistent cash flow with manageable risk. Investors seeking stable returns from fixed income look at how such payments align with real-world timelines, risk preferences, and income needs.

Knowing how to generate passive income with bonds starts with structure. Without one, income may arrive sporadically, or not at all. With one, fixed income becomes a core planning tool.

> 15 passive income ideas to build your wealth in 2025

Match payment schedules to income needs

Every fixed income instrument distributes income differently. A portfolio that includes a mix of payment frequencies can simulate a monthly paycheck. By selecting investments that stagger payments throughout the calendar, income becomes more predictable and aligned with real-world expenses.

Use laddering to manage cash flow and interest rate risk

Laddering involves buying fixed income assets with different maturity dates, one, two, three, or five years apart. As each asset matures, it returns the original investment, which can be redeployed into new fixed income options.

Ladders serve two purposes. They spread out income over time, so there’s always something maturing soon. And they reduce exposure to changing interest rates. If rates rise, newly purchased assets in the ladder benefit from higher yields. If rates fall, the longer-duration assets continue paying the original, higher coupon.

Investors focused on stable returns from fixed income often use ladders to smooth volatility and keep income flowing.

Reinvest for compounding income

Not every interest payment needs to be withdrawn. Reinvesting interest into additional fixed income instruments increases the future income base. Over time, this creates a compounding effect where not only the principal, but also the earned income, begins to generate new income.

This strategy supports long-term growth without relying on capital appreciation. Reinvestment is one of the best fixed income investment strategies available.

> 10 investment strategies for new investors

Balance yield with consistency

Assets that promise higher returns may come with higher default risk, longer lockups, or unstable payment histories.

This is where diversification plays a key role. Combining government bonds, high-yield fixed income securities, and loan-backed securities can provide a better balance between income and security. Each instrument contributes differently, but together they strengthen the overall cash flow strategy.

Passive income from fixed income is not automatic. It requires planning, alignment, and regular review. But once structured, it delivers exactly what many portfolios need: a source of income that supports financial goals without relying on unpredictable growth.

> What is risk diversification, and why is it essential in 2025?

Risk and return in fixed income investments

Fixed income is designed to provide stability, but no investment is free from risk. The level of certainty depends on who issues the asset, how long it locks up capital, and how well it holds up against shifting rates and inflation.

Credit risk

When an issuer fails to meet its obligations, income stops. Government bonds carry lower risk, while corporate and private debt, especially high-yield fixed income securities, demand higher returns in exchange for greater uncertainty.

Interest rate risk

Rising rates lower the value of existing fixed income assets. Long-term bonds and fixed income ETFs are especially vulnerable if sold before maturity. Holding to maturity preserves capital, but interim losses can affect liquidity.

> Earn monthly interest on your money: 7 Best strategies for 2025

Liquidity risk

Not all fixed income investments are easily sold. Publicly traded bonds tend to be more liquid. Private Notes or niche debt may lock in capital, limiting access if unexpected cash needs arise.

Inflation risk

Fixed interest payments lose value when inflation rises. Over time, this erodes the real return, especially on longer-duration assets.

Currency risk

For eurozone investors holding assets denominated in other currencies, exchange rate movements can impact income and capital value.

> Risk and return: A guide for investors

Put fixed income to work with Mintos

Fixed income returns aren’t theoretical, they’re measurable, trackable, and dependable when structured well. Building an income-focused portfolio requires more than selecting bonds or Notes. It requires access, control, and the ability to adjust when markets shift.

With Mintos, investors can access a wide range of income-generating assets across geographies and risk levels. The best online platforms for investing help turn a strategy into sustained income. Mintos gives you the tools to make that happen.

On Mintos, you can explore a variety of options tailored to different goals and risk profiles:

Loans – Earn regular interest payments, diversify across sectors and regions, and choose between automated or hands-on investing.
Bonds – Invest from €50, earn fixed returns, and diversify your investments. A great option for those looking for steady, passive income.
Passive real estate – Generate monthly rental income from property-backed investments with a lower entry point than direct ownership.
Smart Cash – Access a money market fund with the highest rating that offers higher interest than traditional savings with same-day withdrawals.
ETFs – Invest in ETFs globally with a single portfolio, enjoy diversification, and zero commission fees, starting from just €50.

Disclaimer

Want to learn more?

How to make money investing: Proven strategies for building wealth

Laura Berkolde — Fri, 04 Apr 2025 08:30:03 +0000

You can’t scroll, stream, or swipe without hearing about investing. It’s everywhere, from how-to guides on TikTok to deep-dive podcasts and newsletter threads. Everyone wants to know how to make money investing, and more importantly, how to do so in a way that lasts.

Stories of people building wealth through dividends, ETFs, and rental income are no longer niche, they’re now mainstream. Investing isn’t just something a few people do. It’s becoming a core part of how more people think about money, security, and freedom.

Parents are setting up investment accounts before their kids take their first steps. Colleagues are comparing ETFs during lunch breaks. More and more people are building income streams from assets they can manage from a phone, with platforms that didn’t exist a decade ago.

This shift reflects a growing awareness that saving alone no longer establishes financial security. Inflation erodes what your money can buy. Interest on savings accounts rarely keeps up. And while your money sits still, others are watching theirs grow.

Financial security now requires more than discipline, it requires growth. And that growth comes from learning how to invest for profit and putting your money to work in assets that generate returns over time.

This guide walks through how to make money investing in 2025 and beyond. Explore practical ideas to invest with purpose and confidence.

Best ways to make money investing in 2025
How to generate passive income from investing
Where stocks, bonds, and real estate fit into your plan
How to balance the risks and rewards of investing while growing your wealth

What does it mean to make money investing?

When you invest, your goal is to grow your money. At its core, investing means putting your money into assets that generate a return. These returns come in different forms—each tied to a specific asset type. For example, if you’re focused on making money with stocks and bonds, you will need to understand how these returns are created, how they behave over time, and what role they play in your portfolio.

Capital gains happen when the value of your investment rises over time. If you buy a stock or an ETF for €100 and later sell it for €150, the €50 profit is your capital gain. This is the foundation of how to invest for profit in growth-oriented assets. Capital appreciation is a long-term strategy, used to develop wealth gradually.

Interest income comes from lending your money through fixed-income investments like bonds. You receive regular interest payments, which makes this a valuable method for investors who prefer a predictable cash flow. This is especially relevant in investment strategies for financial freedom, where ongoing income aligns with lifestyle goals.

Dividends are company profits shared with investors. Stocks or ETFs that include dividend-paying companies distribute these earnings periodically. While not guaranteed, they can add a steady income layer to a portfolio, especially if reinvested to benefit from compounding returns.

Learning how to make money investing starts with knowing how these different returns work and how they can fit into your long-term plan.

> Here are 10 long-term investments to consider in 2025

5 beginner investment strategies

If you’re just starting out, investing can seem like a maze. But the best strategies are often the simplest. These five approaches are proven to help new investors expand confidence, reduce risk, and stay focused on long-term results. Each one is a building block in understanding how to make money investing not just once, but over a long term.

> Investing for beginners

1. Set clear financial goals before you invest

Investing only works when it’s connected to a plan. Before choosing any asset or strategy, define what you’re working toward. Your goals determine your timeline, the level of risk you can afford to take, and the type of returns you need to aim for.

Long-term goals allow for more volatility and higher-growth investments. Shorter-term goals call for more stable, lower-risk assets. Without this clarity, it’s easy to make decisions that feel right in the moment but fail to move you forward in the long run.

Goal-based investing gives every decision context. Stay focused, measure progress, and make adjustments as needed, without chasing trends or reacting to short-term market noise.

> Learn how to set financial goals that guide smart investing

2. Diversify across asset classes

No single asset performs well all the time. That’s why diversification is such a powerful tool, especially for beginners. By spreading your investments across asset classes, you reduce the impact of any one market event.

For example, when equity markets fall, fixed-income assets like bonds or loans may hold steady or even rise. Real estate often behaves differently from both.

This mix ensures your portfolio is not overly reliant on one outcome. It makes your returns more stable and gives you multiple sources of income. That’s why diversification is at the heart of most long-term investment strategies for financial freedom.

> Explore portfolio diversification in depth

3. Start small with automated investing

You don’t need a large amount of capital or deep market knowledge to begin. Many platforms now integrate automated investing tools that let you start with low minimums and accumulate steadily over time.

You simply choose your preferences, and the system builds a portfolio that matches your goals. This plays a role in staying consistent and removes the pressure of trying to time the market.

Automation is not just convenient. It also protects you from emotional decision-making, which is one of the biggest pitfalls for beginners. If you’re looking for the best investment options for beginners, automated strategies offer both structure and simplicity.

> What is a robo-advisor?

4. Reinvest your earnings to unlock compounding

Every time you earn a return, whether through interest, dividends, or capital gains, you have a choice. You can take the profit out, or you can reinvest it.

Reinvesting allows your returns to generate additional returns over time. This process, known as compounding, accelerates portfolio growth and turns consistent investing into long-term wealth. The earlier you start, the greater the effect. Even small reinvestments can grow significantly when given enough time.

Compounding is one of the most reliable forces in investing. It rewards consistency, not timing, and works best when left uninterrupted.

> 10 things you can do with your extra money

5. Balance risk with income-focused assets

Not all investing is about waiting decades for a payoff. Some assets are designed to deliver income along the way. These can include investments in loans, real estate investments, dividend-paying stocks, and bonds. Many of these deliver monthly or quarterly interest or profit distributions.

This is where strategies like dividend investing for steady income come into play. Rather than relying on price growth alone, these assets give access to regular cash flow that can be reinvested.

These high-yield investments for passive income can be valuable, especially if you’re leaning towards income-based goals or want to reduce reliance on capital gains. But higher yields can come with higher risk, so evaluate the creditworthiness, liquidity, and duration of each asset carefully.

Best ways to make money investing in 2025

The best ways to make money investing focus on proven approaches that match your goals and deliver returns through growth, income, or both.

Generate passive income from investing
Earn regular payouts from interest-bearing assets like loans, bonds, dividend stocks, or real estate investments. These streams can be reinvested or used as a source of income.

> How to generate passive income

Build long-term returns with ETFs
Learn how to make money with ETFs by using them to access low-cost, diversified portfolios across industries and regions, ideal for hands-off, long-term investors.

> 5 best ETF investment strategies
Try real estate investing for profit
Without buying or managing property, you can tap into real estate investing for profit through real estate-backed assets that pay monthly and often grant more stability than equities.

> A guide to passive real estate investing
Use high-yield investments for passive income
Loan-based assets offer some of the strongest returns among fixed-income investments. These high-yield investments for passive income are easy to automate and diversify.

> Everything you need to know about investing in loans

Managing risk while growing your wealth

Every investment carries risk. But risk is not something to avoid, it is something to understand and manage. Learning how to take the right amount of risk, at the right time, is a fundamental part of how to make money investing over the long term.

Different asset types carry different kinds of risk. Some of the most common risks investors face include:

Market risk – The risk that overall market movements will affect your investment’s value.
Credit risk – The chance that a borrower or bond issuer will default and fail to repay.
Liquidity risk – The difficulty of selling an investment quickly without losing value.
Inflation risk – The loss of purchasing power if your returns do not keep up with inflation.
Interest rate risk – The potential for bond values to drop as interest rates rise.
Currency risk – The impact of foreign exchange fluctuations on international investments.
Concentration risk – The danger of being overexposed to a single asset, sector, or region.

Managing the risks and rewards of investing starts with diversification. When you diversify an investment portfolio across asset types, industries, and geographies, you reduce the impact of any one asset underperforming. A well-balanced portfolio smooths out returns and keeps you better positioned over time.

> More on why risk diversification is essential

Turn your strategy into action with the right investing platform

Once you choose investments that match your timeline, the next step is finding a platform that ticks most of your boxes. Many investors look for the best online platforms for investing that support diversification, income generation, and transparency, all in one place.

On Mintos, you can explore a variety of options tailored to different goals and risk profiles:

Loans – Earn regular interest payments, diversify across sectors and regions, and choose between automated or hands-on investing.
Bonds – Invest from €50, earn fixed returns, and diversify your investments. A great option for those looking for steady, passive income.
Passive real estate – Generate monthly rental income from property-backed investments with a lower entry point than direct ownership
Smart Cash – Access a money market fund with the highest rating that offers higher interest than traditional savings with same-day withdrawals.

ETFs – Invest in ETFs globally with a single portfolio, enjoy diversification, and zero commission fees, starting from just €50.

Disclaimer

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How long will my retirement savings last? Planning for a secure future

Laura Berkolde — Fri, 28 Mar 2025 09:45:02 +0000

You’ve been saving for retirement, maybe steadily, maybe sporadically. Either way, the real question is this: How can you make your retirement savings last once you stop working?

There’s no single answer. The outcome depends on how you spend, how you invest, and how life unfolds over the years. Planning for 30+ years in retirement requires more than back-of-the-napkin math. Inflation chips away at purchasing power. Market swings can shake your confidence. And expenses often look very different at 75 than they do at 65.

In this guide, we’ll cover:

Retirement withdrawal strategies that adapt to real-life needs
How to avoid running out of money in retirement
How to calculate retirement expenses
The safe withdrawal rate for retirees and how it works
How to generate passive income in retirement

If you’re still figuring out your target, take a look at how much money you need to retire. Once you’ve got a number that feels right for you, this guide shows you how to stretch it further.

> How much money do you need to retire? A comprehensive guide

What determines how long your retirement savings last

1. Annual spending

What you spend each year in retirement can either protect your savings or deplete them quickly. You might imagine spending less without work-related costs, but lifestyle upgrades tend to follow salary increases.

Avoid surprises and spot early signs of overspending when you budget for retirement. Without visibility, savings disappear faster than expected.

> Best budgeting apps for 2025: Track, save, and invest smarter

2. Market volatility

Even the best plans get tested by uncertainty. Political instability, inflation spikes, or financial crises can hit hard and fast. Diversification cushions the blow, while a balanced portfolio keeps you positioned for recovery. Solid investment strategies for retirement income focus on long-term returns without ignoring risk.

> What is risk diversification, and why is it essential?

3. Retirement length

Retiring at 65 doesn’t mean your money only needs to last 10 or 15 years. In many countries, life expectancy continues to rise. Living into your 90s is no longer rare. Planning for 30+ years in retirement isn’t just safe, it’s smart. Every extra year stretches your nest egg unless you build in that possibility from the start.

4. Healthcare and long-term care costs

Routine medical bills are one thing. Long-term health issues, in-home care, or extended rehabilitation are another. These expenses arrive later in retirement, when your savings have already taken a hit. Overlooking these costs increases the risk of running out of money in retirement, even if the early years look secure.

5. Inflation

Today’s expenses won’t stay the same in 10 or 20 years. That €1 500 rent or €100 grocery bill could double depending on the rate of inflation. If you base your setup on current prices, you risk underestimating your future costs.

Knowing how inflation affects retirement savings allows you to adjust your targets before rising costs put pressure on your lifestyle. Over time, inflation chips away at your purchasing power, so a clear, inflation-aware plan reveals gaps before they grow.

> Learn how long-term investments can support your retirement timeline

How to calculate retirement expenses and the lifespan of your savings

You can’t organize your retirement around guesswork. Knowing how to calculate retirement expenses enables you to see exactly what your savings need to support.

Once you understand the size of the challenge, you can build methods that match it.

Step 1: Build your retirement expense profile

This isn’t your current budget with a few tweaks. Retirement brings different priorities. Start by listing fixed monthly costs like mortgage or rent, food, utilities, insurance, and medical expenses. Then estimate discretionary spending, including travel, hobbies, or gifts.

Don’t forget occasional large costs like car replacements or home maintenance. Your expense profile should reflect a full calendar year, not just an average month.

Step 2: Factor in inflation

Once you’ve built your expense profile, you need to project what those costs might look like years from now. Inflation doesn’t just increase prices, it reshapes your entire approach. Learn how inflation affects retirement savings to avoid underestimating future expenses.

To model this, apply an annual inflation rate to each category in your budget. If healthcare costs €3 000 next year and you use a 2.5% inflation rate, increase that amount each year you expect to be retired. Do the same for housing, food, insurance, transportation, and personal spending.

This approach gives you a dynamic, forward-looking view of retirement costs instead of a flat estimate that loses relevance over time. It turns your plan into a living framework, not a frozen guess.

Step 3: Estimate your annual withdrawal needs

Once you’ve adjusted your expenses for inflation, total them to get your projected yearly spending.

This figure becomes the foundation for the rest of your plan. It tells you how much pressure you’ll place on your savings every year and lets you begin evaluating whether your current balance is enough, or whether you’ll need to save more, work longer, or rethink your approach to retirement withdrawal strategies.

Step 4: Run longevity calculations

Now apply your numbers to a realistic scenario. Longer retirements, higher inflation, or poor market returns may require a more conservative approach.

Online tools project how long your savings will last based on different variables. These models won’t do the planning for you, but they show how small changes like withdrawing less or earning more, can extend the life of your savings.

Step 5: Repeat the process regularly

One calculation is never enough. To avoid running out of money in retirement, revisit your numbers regularly and adjust as life shifts.

A thoughtful, data-driven approach is the only way to answer the questions that matters most: how long will my retirement savings last, and what can I do to stay financially secure for the long haul?

Retirement withdrawal strategies to stretch your savings

Saving for retirement is only half the equation. After you leave the workforce, the real challenge begins, deciding how to draw down those savings without draining them too fast. Smart retirement withdrawal strategies protect your portfolio from both market volatility and lifestyle inflation.

> A solid grasp of risk and return helps you avoid panic and stay the course

Start with the safe withdrawal rate for retirees

The 4% rule is a common benchmark. If you withdraw 4% of your retirement savings in the first year and adjust that amount each year for inflation, your money may last 30 years. For example, if you have €500 000 saved, your first year’s withdrawal would be €20 000.

This works best if you have a diversified portfolio, consistent returns, and moderate spending habits. It’s simple, but not foolproof. If markets underperform or inflation runs high, a 4% rate may be too aggressive. That’s why many retirees choose to adjust based on actual conditions.

Try flexible spending models

Instead of sticking to a fixed percentage, dynamic strategies shift based on market performance. In strong years, you withdraw a little more. In weaker years, you cut back. This smooths out the pressure on your portfolio and increases the odds of staying solvent longer.

Consider a bucket approach

Separate your savings into segments based on when you’ll need the money. Keep cash or low-risk assets in a short-term bucket for the next 1–3 years. Medium-term needs go into bonds or conservative investments. Long-term growth sits in equities or diversified portfolios. This method gives you structure while reducing panic when markets wobble.

> The ultimate guide to cash investments

Sequence withdrawals

How you pull money out matters. Some approaches focus on withdrawing from non-tax-advantaged accounts first and deferring taxed or investment-linked pensions until later.

This lowers your lifetime tax burden and gives your income more room to grow. Tax-efficient withdrawals in retirement let you hold on to more of what you’ve earned, year-on-year.

The structure you choose should balance tax efficiency, cash flow, and the need to stay invested. The right withdrawal strategy equips you with the knowledge on how to make retirement savings last while letting you shape your lifestyle on your terms.

> Why is asset allocation key to balancing income and long-term growth?

How to generate passive income in retirement

When you no longer work for your income, your income should start working for you. That’s the idea behind passive income in retirement. It doesn’t replace your savings, but it adds flexibility and gives you more control where it matters most.

So what does passive income in retirement actually look like? These are some of the most practical and low-maintenance tactics to keep money coming in.

Focus on investments that pay monthly to keep your income predictable

Set up multiple streams of income so you’re not dependent on a single source
Automate investing where you can to reduce effort and stay consistent
Put extra money to work instead of letting it sit idle
Choose low-risk investments that aim for stability, not speculation
Earn monthly interest through stable, income-focused assets

> Discover 15 passive income ideas to build your wealth in 2025

Find the best investment options for retirees based on goals

Planning how to spend your retirement savings is just the beginning. The next step is building a framework that supports your income over the long haul. Here are a few investment options on Mintos that can help turn savings into sustainable income.

Loans – Earn regular interest payments, diversify across sectors and regions, and choose between automated or hands-on investing.
Bonds – Invest from €50, earn fixed returns, and diversify your investments. A great option for those looking for steady, passive income.
Passive real estate – Generate monthly rental income from property-backed investments with a lower entry point than direct ownership.
Smart Cash – Access a money market fund with the highest rating that offers higher interest than traditional savings with same-day withdrawals.
ETFs – Invest in ETFs globally with a single portfolio, enjoy diversification, and zero commission fees, starting from just €50.