Increase equity during the savings phase

yes, I know both of them, and would not recommend them. Too many costs.

I did not name specific products, so we cannot talk about costs. Relevant ETFs have TER under 1%. Hardly any lower costs, right? What costs are acceptable to you?

offers a low-cost product with "good" returns.

What is good? ETFs on the mentioned indices have (barely, due to costs) the returns of the indices. They are not better than the market, by definition. More return --> more risk.

Relevant ETFs have TERs under 1%.

I don’t understand anything... Rhineland greetings

ETF = Exchange-traded Fund; TER = total expense ratio. Unfortunately, in real life total is not always total, but that really goes too far here. For this forum, it is rather off-topic. In any case, ETFs differ from traditional investment funds by the absence of fund management. The ETF strictly follows an index (e.g. the DAX), so that ongoing costs are low. An actively managed fund (the counterpart to the ETF) costs 3 to 5% p.a. in fees alone. Naturally, only a few fund managers succeed (permanently) in beating the "market". ETFs exist for pretty much every index, so that all asset classes (stocks, bonds, commodities, real estate) can be represented. For small investors, ETFs are in my opinion the best choice to invest their money (beyond overnight money).

I will refrain from providing further links.

Thank you Bieber!

Rhenish greetings

For investing a lump sum, I throw the word "Mittelstandsanleihen" into the ring.

However, this comes with a big BUT:
Because you have to deal with it thoroughly (looking at balance sheets and profit and loss statements, purpose of funds, level of debt, etc.), since in recent years some duds have entered the market here (I can name both sides: good as well as bad examples).
Last week, for the first time in a while, there was an interesting paper in the subscription. Since it was so interesting, it was oversubscribed and closed early on the first day.

Nevertheless, it should be noted here: such papers are not without risk. Since most private investors cannot/will not dive so deeply, only a good advisor who specializes explicitly in this field can help (these are usually not the advisors in the branches - unfortunately).

total expanse ratio

expense of course.

By the way: In the bond market (widows and orphans bonds, actually historically safe and almost not volatile) there was just a "black swan." The homebuilders here see it in the rising interest rates. Just mentioned in passing as a hint that anyone who somehow wants to save equity "alternatively" has to live with surprises. Medium-sized corporate bonds are, in my opinion, completely inappropriate here and reserved for investors who have money "to spare."