Stocks.
Finally clear.
What a stock is, how people earn with them and what €1,000 in SAP would have become. In plain words.
Right now
- Law passedAltersvorsorgedepot: Germany's new subsidised retirement accountFrom 2027 the Altersvorsorgedepot replaces Riester subsidies for new contracts. You invest in funds such as ETFs and the state adds a subsidy. In return, the money stays locked until retirement.Explained and calculated
- Draft lawFrühstart-Rente: 10 euros a month from the state for childrenGermany plans to invest 10 euros a month for every child from age six. By the 18th birthday that adds up to 1,440 euros. What is planned, what is still open and what the big headline numbers really mean.Explained and calculated
- Ministry draft (Referentenentwurf) of 30 Sep 2026Germany may end the crypto holding period: what it means for stocksThe finance ministry wants to tax gains on Bitcoin and similar coins like capital income from 2027. Headlines about a "new tax for investors" worry many people. For stocks and ETFs, the draft changes nothing.Explained and calculated
What if?
A stock is a piece of a company.
Buy a share and you own a small part of a real business. With everything that comes with it.
Read chapterEarning money without working.
Rising prices and dividends: how stocks grow over time. And why patience beats timing.
Read chapterUnderstand risk. Don’t fear it.
Prices move. Spreading your money wisely turns chance into a plan.
Read chapterThe first step is smaller than you think.
Emergency fund, brokerage account, savings plan. Four calm steps to your first stock.
Read chapterHow much do you know?
10 questions, 3 minutes, a report card to share. No sign-up.
You know them. Now you’ll understand them.
60 companies from the DAX and the US, explained like a product.
-16.9%SAP
The software the world’s companies run on.
+12.0%Siemens
Technology for factories, buildings, trains and hospitals.
+20.1%Allianz
One of the world’s largest insurers, based in Munich.
-13.1%Adidas
The three stripes from Bavaria that half the world wears.
-28.9%Mercedes-Benz
The star on the bonnet: premium cars from Stuttgart.
+23.4%Apple
The iPhone, the Mac, and the services that tie them together.
+15.5%Nvidia
The chips that artificial intelligence runs on.
-0.1%Microsoft
Windows, Office and one of the world’s largest clouds.
+3.0%Amazon
The world’s biggest online marketplace, plus a giant cloud.
-18.8%Tesla
Electric cars, battery storage and big promises.
Made for Germany.
Euros, not dollars. Savings plans, not gambling. German tax rules, not US tips.
Start with chapter 1.
It takes five minutes. After that you’ll know what a stock really is.
Read chapter 1