How to invest €10,000? Take advantage of the current crisis?

May 23, 2025

For many investors, EUR 10,000 is, to a certain extent, the basic amount at which it is worth taking a closer look at investment opportunities. This is because, in contrast to smaller amounts, EUR 10,000 can be used to diversify more broadly than smaller investment sums.

The keyword "costs" plays a very important role here: as online brokers often charge fixed prices for transaction and order fees, investing smaller amounts can often be really expensive.

Investing 10,000 euros seems to be exactly the right amount to make your first investments in the stock market and other financial instruments. But where to put the hard-earned money so that it generates the highest possible return, but is also invested safely and at low risk?

Therefore, below are a few helpful tips and tricks on how private investors should strike, especially because of the current Corona crisis.

This article was published on March 27, 2020.

Now is Shopping time for various asset classes

The crash is here and the prices of various assets are in the basement.

Some DAX stocks have in calendar week 10 & 11 in places over 30 percent lost in value.

Inasmuch as the individual Risk buffer in the form of a smaller Overnight deposit is set aside, it is best to start investing 10,000 euros immediately, as the opportunity is currently better than it has been for a long time.

The following section therefore highlights a few promising asset classes in which investments can currently be made. Investment worthwhile.

To the share deposit comparison calculator

1. ETFs (distributing or accumulating ETFs)

A large portion in terms of investing 10,000 euros should be invested in broadly diversified ETFs (exchange-traded funds).

These are passively managed funds that include a variety of different asset classes such as. Shares, Bonds as well as Raw materials and more Assets and can contain a Index to the corresponding underlyings - the latter can either be physically present or represented by the ETF.

Due to the current Corona crisis prices for ETF funds are currently at rock bottom. Distribution rates of 2.00 to 8.00 percent per year are not uncommon for distributing ETFs - with comparatively low risk.

2. In Bonds invest

Already Benjamin Graham revealed in his masterpiece The Intelligent Investor that wisdom that an admixture of Bonds (Corporate and Government bonds) in the portfolio significantly reduces its riskiness and ensures safe, solid returns.

Currently for Bonds between 1.00 and 2.50 percent interest per year ? around 25 percent of one's portfolio should, in the best case, consist of Bonds exist.

3. Also Individual shares hold

The proportion of individual shares in an individual portfolio should be significantly smaller.

More attention should be paid to Growth stocks such as Tesla, Google or Apple as they show a promising upside potential and can therefore be considered as a Portfolio Booster can serve.

Solid earnings are ensured in the Invest 10.000 Euro-portfolio sometimes already the ETF-, respectively Bonds-shares - but here it's all about price gains!

4. REITs for investments in the real estate sector

The 10,000-euro portfolio should also include real estate as an asset class.

In order to invest here with as little risk as possible and to minimize a potential Cluster risk To avoid this, it is advisable for small investors to invest in so-called REITs (Real Estate Investment Trusts).

These are companies that are classified as Capital Collection Point for real estate purchases. Your Rental income The REITs distribute dividends in the form of regular Dividend payments to their shareholders ? so: add it to the portfolio!

5. Also P2P- and P2B-Use loans for 10,000

A smaller proportion of the investment capital can also be invested in P2P or P2B loans. These are peer-to-peer loans or peer-to-business loans - in effect, loans from private to private or from private to business.

There are currently a large number of Platforms on the net, which specialize in the offer of personal loans ? for example. Mintos, Bondora or Auxmoneyto name just a few providers.

The returns for this asset class are low, with an average of 8.00 to 13.00 percent quite high, but this variant is just as risky. It is therefore advisable to invest only a small percentage of one's portfolio (between 5 and 10 percent) to invest in this asset class.

6. Precious metals such as Gold buy

No portfolio should be without an additional addition of gold.

For precious metals have always served as a Crisis protection before economic crises, crashes or other events. Physical gold investments are therefore an ideal complement and offer the investor Tangible assets an optimal hedge and can be liquidated again relatively uncomplicatedly in times of crisis.

Gold price March 2019 - March 2020 (source: Finances.net)

7. Simply convert excess liquidity into short- to medium-term Time Deposits parking

Despite the current very low interest rates for savings investments, fixed-term deposit accounts are still a safe and popular investment option.

Surplus capital, which is utilized within the scope of Invest 10.000 Euro has not yet been invested in the asset classes mentioned, can be invested in this way. Time Deposits invested with short to medium-term maturities ? i.e.: maturities between 12 and 36 months.

The advantage of this variant is that the invested capital is released again relatively quickly and can be reinvested ? in the event of a Change in interest rates investors can react more flexibly. Depending on the credit institution Time Deposits with 12- to 36-month terms currently between 0.50 and 1.50 percent Savings interest offered.

To the share deposit comparison calculator

Conclusion: In terms of Invest 10.000 Euro always check your own requirements

Investors should always consider their own investment requirements and should design their portfolio accordingly.

Investors with an affinity for risk can increase the riskier asset classes such as Shares comparatively high, which is to the benefit of the maximum achievable return.

Who rather less risky who likes to drive with a higher proportion of Bonds or Time Deposits certainly better. Also, it should always be considered according to which strategy the portfolio should be aligned ? whether according to Growth or rather after Yield (respectively Cash flow).