Wie schützen Sie Ihr Vermögen vor der Inflation?

Inflation bezeichnet eine Geldentwertung, also eine Verringerung der Kaufkraft des Geldes bzw. die anhaltende Erhöhung des Preisniveaus von Gütern und Dienstleistungen.

Die älteste und gängigste Theorie der Inflation ist die Quantitätstheorie. Diese besagt, dass das Preisniveau von der Geldmenge, der Umlaufgeschwindigkeit des Geldes und der realen Produktion abhängt. Werden nun Umlaufgeschwindigkeit und reale Produktion konstant gehalten, führt eine Erhöhung der Geldmenge zu einer Erhöhung des Preisniveaus und damit zu Inflation. Dieser Sachverhalt kann sich wie folgt vorgestellt werden: Eine erhöhte Geldmenge führt bei gleichbleibender realer Produktion zu einer Entwertung des Geldes, da im Prinzip dem zusätzlichen Geld kein Gegenwert gegenübersteht. Die Folge ist, dass das Preisniveau steigt und die Güter teurer werden bzw. mehr Geld kosten. Grundsätzlich wird zwischen leichter (bis 5 % Wertverlust), schwerer (ab 5 %) und Hyperinflation (ab 50 %) unterschieden. In Deutschland schwankt die Inflationsrate zwischen 0,3 % und 2,6 %.

Da Inflation eine Geldentwertung ist, ist die Höhe der Inflation für Investoren sehr wichtig. Dieser Sachverhalt soll durch folgendes Beispiel verdeutlicht werden: Die Inflationsrate beträgt 3 %. Die Zinsen auf ein gewöhnliches Konto bei einer Bank liegen bei 0,5 %. Aus der Sicht eines Investors, der sein Geld über Zeit vermehren will, ist es nicht sinnvoll, sein Geld auf dieses Konto zu überweisen und 0,5 % Zinsen zu kassieren. Denn de facto verringert sich die Kaufkraft seines Vermögens jedes Jahr um 3 % - 0,5 % = 2,5 %. Obwohl der Kontostand durch die Zinsen ansteigt, sorgt die größere Inflationsrate dafür, dass sich die Kaufkraft des Vermögens verringert. Für eine langfristige Investition und einer Steigerung der Kaufkraft des Vermögens, muss der Zins über der durchschnittlichen Inflationsrate liegen.

As an investor, you can put together your own personal portfolio from 500 EUR – you select digital shares with us according to your own wishes and risk requirements.

On our multi-asset platform, we offer high-yield, risk-limited properties in A-cities, attractive properties in sought-after holiday locations in Europe and investment properties from other asset classes such as art and vintage cars. You benefit proportionally from the monthly rental income, the repayment of the bank loan and the potential increase in value.

Our process, coordinated with BaFin, is handled completely digitally with the help of the blockchain: no printed paper is necessary, visits to the notary or the bank are obsolete. The real assets are structured, figuratively 'broken down' into digital parts, and securitized in the form of investment tokens.

You can keep an eye on your investment at all times via your dashboard and access transparent market data. If you want to sell your investment again later, you can offer your digital shares for sale at any time free of charge via our secondary market.

The real asset investment market is becoming increasingly interesting for investors. A driving factor continues to be the ongoing low-interest phase, which is boosting the real assets market with attractive leverage thanks to favourable bank loans. As the most popular asset, real estate best reflects this trend, so that in 2019 the transaction volume of real estate investments in Germany will experience a new all-time high of €89.5 billion. This represents growth of over 36 % in just three years (EY Research, 2020).

However, high demand and rising prices continue to drive up the volumes of individual transactions. These market dynamics are leading to a shift in the client base. Buyers need to become increasingly well-funded in order not to lose out on the market. A market which is already characterised by its low flexibility, the high expenditure of time and an enormous knowledge intensity is thus closing itself more and more to private investors.

At FINEXITY AG, we see enormous potential for improvement through today's technological possibilities. The right application in the area of product structuring as well as brokerage can leverage the existing barriers and thus create new access to the market. With the help of blockchain technology (distributed ledger technology), we are liberalising the global real asset investment market and enabling private investors to invest 100 % digitally in selected real assets – regardless of budget, know-how and location. An investment of 500 Euros or more is not only faster, but the elimination of numerous intermediaries also improves the cost, transparency and security structures.

No, you have the option of offering your digital shares for sale on our FINEXITY secondary market at any time.

You can register on the finexity.com website. To create your account, enter your email address and phone number and choose a secure password. Now you just need to confirm your email address - we will send you a confirmation email. Afterwards, you can log in, complete your personal data and invest in the marketplace from 500 euros.

Registration on finexity.com is completely free of charge. After just a few clicks, you will have full access to your personal dashboard in no time.

After purchasing digital shares, the equivalent value of your investment is issued in tokens.

In order to keep the tokens safe, the FINEXITY wallet exists as a digital safe deposit box for the self-custody of your digital shares. FINEXITY provides each user with a wallet for self-custody of the tokens. You do not need a securities account and there are no costs for self-custody.

The FINEXITY wallet is linked to your login to the FINEXITY platform. We are not in possession of your login data ourselves, and the private key to the wallet is also stored in encrypted form by an external authorisation & authentication provider. We use the double opt-in procedure for your e-mail address and your mobile phone number is used for each transaction release via mobileTAN (2FA procedure).

You can reach us via our contact form or by phone Monday to Thursday from 10 a.m. to 7 p.m., Friday from 10 a.m. to 6 p.m. at +49 40 822 177 20. We look forward to hearing from you!

Alternatively, you can reach us at any time by email at support@finexity.com. We will take care of your request as soon as possible.