Securities trading for beginners

Start your wealth optimization with shares, funds and other securities now. For your orientation, we have compiled basic information for you here.

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Securities tips for beginners

Overview

Your kick-off at the stock exchange

Important facts about shares at a glance

Shares are securities. By buying shares, you acquire ownership shares in an AG (public limited company)
By buying shares, you also acquire rights: you may z.B. at the annual general meeting (at which the amount of profit, the so-called. "Dividend", is determined) and you must be informed in Germany (and in most other countries) of AGs with regularity about their business developments. They also receive shares from the distributed dividend. Equally, however, you also participate in a possible loss
It can make sense not to invest in individual shares, but in several companies at the same time. This is about sog. "Funds" resp. "Investment funds"
A good approach may also be to look at. to anticipate short-term fluctuations in share prices and to invest money for the long term
If shares in a company are traded on a stock exchange, you can also buy or sell them via your Naspa securities account
The basis for your start is a suitable online securities account for your shares and funds

Arrange a consultation appointment to learn more about securities or open your Naspa securities account directly online now.

Securities as an investment

Shares and funds as an investment

Unfortunately, it is not possible to increase assets via a current or call money account nowadays – but theoretically it is possible via a well-positioned stock portfolio (taking into account the corresponding risks of loss).

In general, it can be said that shares as a whole (comprehensively viewed over several past decades and despite some crises) have shown themselves to be a high-yield form of investment with good to very good returns in the long term. Whereby it is also important in the context that this can change again in the future and that there never was and can be a guarantee for profits. And that the investment in shares for investors is and was always connected with loss risks (which however can be reduced also by risk spreading).

Stock prices, having risen on average over the past decades on a comprehensive basis, will continue to rise steadily in the future? Developments on stock exchanges are not certain, even past returns do not allow reliable forecasts and there is always a risk of capital loss. Theoretical considerations of structural relationships around the factor "corporate profits" can be of further help here:

Companies want and need to make profits. They achieve this by selling their products and services at a higher value than they generate. If you now look at solidly managed companies over a longer period of time in this context, there is a chance that they will definitely make profits in the long term on average and develop positively accordingly in the long term.
Shareholders make themselves the work, evenly "more complex" than only via current or daily money account to invest. You must have good reasons for this – such as z.B. the expectation of corporate profits and positive developments.
From a corporate perspective, corporate profits should also be seen in the following context: Banks lend money (received from savers) on with interest. This they do in order to achieve profits. Businesses, as buyers of what tends to be large loans, in turn also have the goal of generating profits. And a central goal for the companies is that their respective profits and dividend distributions are proportionately higher than the loans taken out for this purpose. Because otherwise it would not have been worthwhile for the companies to.
Finally, from the perspective of the growth of the global economy: If the global economy continues to grow in the long term, this will happen on the basis of actual corporate profits, and hopes for sustained share price increases are thus justified. Economic growth is accompanied by an increase in corporate profits – and companies with regular profits logically become more valuable, causing their share prices to rise.

In general, the share price rises or. the price of a share when a company becomes more valuable after achieving success – but the number of shares in the company remains unchanged. Then, for example, a sale of shares makes sense (presented very simply for basic understanding). The total return (i.e., the total income) earned by the shareholder is made up of those returns through price gains per share plus any dividend payments.

Share prices can fluctuate greatly in the meantime, however, and high yields tend to be strongly associated with high risks of capital loss. As a shareholder, you spread these risks through "diversification": by simultaneously z.B. invest in several companies from different countries and industries, the risk is reduced, because you can profit from regional or national market developments as well as isolated company mistakes or. -Less dependent on negative developments.

Make an appointment to learn more about securities or open your Naspa securities account directly online now.

Stock tips for beginners

Tips for newcomers to the stock market

You are thinking about investing your money in shares? Especially because of the low interest rates nowadays many people think about it. Before you start, you should be well informed. Here are 10 tips for you on how to get started investing in shares.

Gain a high level of understanding about the facilities that interest you. Read z.B. Documents like the annual report of the respective AG. Check for example bzgl. of an equity fund also whether it suits your personal requirements in terms of opportunities and risks.
Mitigate your risk through value distributions. Do not focus on a particular stock, but draw z.B. Consider a fund with shares from different companies. And/or spread your risk even further by investing in sog. Invest in "mixed funds" (which do not exclusively contain stocks).
Only invest capital that is available. You should invest only money, which is not planned for other goals in the investment period.
Be patient and invest far-sightedly: Better not insist on a quick profit and do not bet on an investment with high risk.
Not from evtl. Losses let unsettle: It can be that in your depot also temporarily losses develop. Be prepared for price fluctuations and react thoughtfully if necessary.
Treat stock tips with skepticism: Always be careful regarding. Tempting tips on high yield prospects.
Consider fees when buying and selling: Focus on long-term performance and always have in mind that evtl. Fees reduce your income.
Work with the compound interest effect: According to this idea, you increase your profits by reinvesting them and thus get the chance of additional income (especially with funds happens this form of reinvestment i.d.R. automatically). But this also increases the risk of loss in equal measure.
Check all plants and their developments regularly: Keep an eye on your securities account and talk to your advisor about it regularly.
Do not wait too long to start investing: You do not need to have become an absolute capital market and stock market specialist before you start investing. You can start already with small amounts (installment savings plan from 25€). And especially in the beginning you can rely on funds and on the professionals who will manage the funds for you.

Make an appointment for a consultation to learn more about securities or open your Naspa securities account directly online now.

FAQ – Frequently asked questions and answers about securities trading

Shares are mainly traded electronically on stock exchanges. In rare cases, shares can also be sold privately and over-the-counter. The basic rule is: only stockbrokers with a license can trade stocks on a stock exchange. However, almost any person can buy and sell shares through a dealer (z.B. Financial institutions such as banks, savings banks or other brokers) on the stock market commissioned. There is therefore no direct trading by private individuals or. the shareholders instead of. And for your securities transactions, you will always need a dealer or. "Broker". For their services as brokers, the financial institutions charge i.d.R. Fees.

If a company’s shares are traded on the stock exchange, you can have them bought through your dealer – i.e. your bank, savings bank or broker. You acquire this share at the respective current stock exchange price.

To buy shares, you must be of legal age (before you are of legal age, you generally need the consent and support of your legal guardians). You also need an appropriate securities account as a basis for your securities transactions at Naspa. You can manage your securities account via your online banking at any time. Whether you want to buy or sell securities or find out about the latest developments – you can see everything conveniently in your online banking. Alternatively, you can order the purchase or sale of securities through your advisor at Naspa or make mobile transactions via your S-Invest app.

With your Naspa securities account or even a DekaBank securities account, you can purchase various securities products for money. Via your online banking at Naspa, you can view your securities account and portfolio overview of all securities accounts of the Sparkassen-Finanzgruppe and third-party securities account providers. Whether from home or on the road, via your online banking access at the Internet branch or via
the S-Invest app, you buy or sell securities or adjust your savings plans with just a few clicks.

As a rule, brokers offer various electronic platforms for stock trading. With our S-Invest app, you can
make essential securities transactions on the move and always have your securities account in your pocket.

The functions of the app at a glance:

Securities account and portfolio overview of all securities accounts of providers of the Sparkassen-Finanzgruppe (z.B. Deposits of DekaBank, your Naspa or S Broker) and third-party deposits
Portfolio overview across all custody accounts, including analysis options to break down your investments by country, sector, currency and security type
Transactions in your Naspa securities account and in your DekaBank securities account
Maintenance of savings plans in your Naspa securities account and DekaBank securities account
Activation and maintenance of securities account and share price watchers

When IPO (initial public offering) is mentioned, it means the initial public offering of a company on the stock exchange. The main reason for a company going public is usually to raise capital. In the case of a new issue, i.e. the issue of new shares to shareholders, this is also referred to as "subscribing for shares".

Buying shares before the IPO – here’s how:

If you are interested in newly issued shares and therefore in shares that are not yet traded on the stock exchange, you must place a so-called subscription order with your broker. How to purchase a certain number of shares before going public.
The deadline for investors to subscribe for shares is i.d.R. between 5 and 14 days.

Buying shares before going public – this is what you should consider:

The IPO of companies is often heavily advertised so that as many investors as possible become aware of the IPO shares and the desired capital is raised for the company. Interested investors should carefully examine and analyze in advance whether the purchase of an IPO share is worthwhile, taking into account a number of factors:

Since when does this company exist?
How high are the earned profits from the past?
How high are future sales and profit prospects?
The amount of equity ratio and indebtedness of the company
future and growth strength of the industry
USP (Unique Selling Proposition or. unique selling proposition): Does the company offer products or. Services that stand out from the competition?
Price range during the subscription period (this allows you to roughly guess the issue price and calculate the price-earnings ratio using the earnings figures)
reason for the company’s IPO at the respective time
What the capital obtained through the IPO will be used for?

A share is a security that certifies a share in a stock corporation (AG). This means you buy with your share
Shares in a company. In the following we have summarized some important points for you, which you should consider when buying shares:

View tips and promises from experts with a healthy skepticism
Do not put all your eggs in one basket. So do not invest all your capital in just one share. With a broad diversification of your investment you can minimize the risk of loss significantly.
Especially as a beginner, you should also consider other forms of investment, e.g., bonds. Consider equity funds or savings plans for the broadest possible risk diversification.
Price fluctuations can be very strong in the short term, so you should always invest your money in the stock market for the long term or. only invest the capital you do not immediately need in the next few years.

The basic rule is: There is no one share that you should buy now. Who wants to buy a share should understand what is invested in. Find out about the company in advance (for example, the AG’s annual report, the latest quarterly figures, analysts’ reports and economic forecasts on the company’s shares).

Take advantage of professional advice from one of our Naspa advisors to find suitable investment opportunities and develop an individual investment strategy for you. Please always keep in mind that an investment on the stock exchange is always associated with price risks.

You can manage your securities account at any time via your Naspa online banking service. Whether you want to buy or sell securities or find out about the latest developments – you can see everything conveniently online and carry out the essential securities transactions. Alternatively, you can order the purchase of securities through your advisor at Naspa or via the S-Invest app.

Make an appointment to learn more about securities or open your Naspa securities account directly online.

Securities account

Convenient online opening and trading

Your securities are in safe hands and you always keep an eye on your portfolio developments.

Better to invest sustainably.

With sustainable investments you invest not only in your own future, but also in global environmental protection, fair working conditions and far-sighted company management.