Pay off a loan or buy shares?



Even a neat home that will soon be paid off does not protect against inflation worries.
Image: Laila Sieber

Inflation is also putting high-income families under pressure. The important thing now is to take investment decisions calmly.

Was one’s joy is another’s sorrow. Investors are happy about increased returns, debtors moan about higher costs, and both sides are suffering from high inflation. And how are the people doing where everything comes together? Please look at today’s case. It’s about a family that’s 148 years old. The father is 54 years old, the mother 52 years old and the two children are 22 and 20 years old. The father earns 8000 euros gross per month, the monthly salary of the mother is 5000 euros. Of this, after deduction of social security contributions and taxes, 7700 euros remain, rounded up.

There is a nest egg of 20,000 euros in the parents’ checking account. The father’s current pension entitlement from the age of 67 is 2500 euros per month, and the mother’s current pension entitlement from the age of 67 is 1700 euros per month. This corresponds to cash values ​​of 285,000 and 182,000 euros. The bonds in the parents’ custody account are worth 130,000 euros. The quartet lives in a home that weighs 700,000 euros. The debts are 250,000 euros. The shares have a value of 150,000 euros. This results in a gross worth of 1.387 and a net worth of 1.137 million euros.



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