Repayment options for risk-averse people

It's always easy to say.
And then there's a pandemic or war two years earlier, and unfortunately it drags on for quite a while instead of ending on time. ;-)

Basically, I understand it all, but you also have to be able to afford the risk.

Well, that's exactly the case when many apparently only have the biggest boom phase in ages in mind and never even remotely consider times from the last 100 years. That's why I'm always so puzzled why everyone always assumes their jobs are "secure." And instead of a savings account, they prefer to be active in ETFs short-term, even though they actually need the money.
Here there's also someone who would have preferred to reduce their financing at the limit to the absolute peak price down to 1% repayment, just to really get started with ETFs. We all know, guaranteed interest rate 7%.. ;)

Regarding the topic here – our OP didn’t want a 15-year fixed interest rate at closing; it was too expensive in second position (for the conditions back then). Now there's obviously more risk involved. I would watch what happens with fixed deposits in the near future; if he can get more than his loan interest rate there, maybe an option. But since these are apparently the usual "small sums" in between – savings account and special repayments. If better short-/medium-term fixed deposits come up, take them.

And lose. I have to pay 1% on 500000% and get 2% interest on, for example, €6000. Just try calculating it... ....my slide rule is currently too warm. ;)

Math isn't really your thing, is it?

At >8% inflation, fixed deposits at 1.8% or overnight money at 0.9% are recommended here. You might as well use the bills as firelighters.

With >8% inflation, fixed-term deposits here are recommended at 1.8% or overnight money at 0.9%. You might as well use the bills as firelighters.

What do you recommend as a better alternative?

What do you recommend as a better alternative?

As I said, use banknotes as firelighters, at least that’s somewhat fun to watch. Now seriously, what is so risky about an (ALL)World ETF if I invest in it for at least 10 years? And no, I don’t have to withdraw everything at day x, but can also plan/distribute the withdrawals so I’m not dependent on day x.

Let me take a quick look... all stock indices are down 20% this year. A clear outperformance for daily money... People must hate their money ;)

The exceptionally popular A1JX52 is at -7.87% this year. So that's a bit of an exaggeration on your part. Over the last 5 years it's about +60%. Not a classic money burn in my eyes.