Special repayments or investing in the market? Alternatives?

I find it much easier to make a 15K special repayment per year than to invest the same amount in the stock market. I then check my portfolio every day and worry. Don't you have these feelings at all? What about ETFs that only replicate synthetically, for example? If there is a crash, they would get into financial trouble. Likewise, the ETFs that actually hold the stocks. If so much is invested in ETFs and many sell, that would cause a huge downward spiral. Or am I overlooking something?

Nothing against you but it worries me that apparently every "layman" nowadays invests rather large sums there...

It has always been like this: when the housewife buys Telekom, Wirecard, etc., it's time to get out (-:

nothing against you but it worries me that apparently every "layman" nowadays invests not exactly small sums there... It has always been like this: when the housewife buys Telekom, Wirecard etc, then it's time to get out (-:

I think you haven't understood the principle of funds in general and ETFs in particular, risk diversification and time in the market beats timing the market.

I think you haven't understood the principle of funds in general and ETFs in particular, risk diversification and time in the market beats timing the market.

Well, in the meantime, there is always the idea here of being able to sell quickly and without loss if needed. (Once for someone who is actively looking for property and otherwise also in connection with the end of the fixed interest period) and then "Time in the Market" may be quite low. When this comes up, you can understand the question of whether this isn't being a bit overhyped.

I had an individual portfolio for a long time, but we more or less started investing in a joint portfolio in ETFs around the Corona low. My husband is therefore currently spoiled by positive numbers. I do notice that sometimes he simply completely ignores the risk and I have to occasionally remind him that we didn't plan this as a rather long-term investment without reason.

In addition to the mortgage, the employee bears the risks of unemployment, occupational disability, serious illnesses, and death of partners and children, as well as possibly the need for care of the parents. One should seriously consider whether the risk profile "risk-free interest savings and earlier debt freedom through special repayments" or the risk profile "entrepreneurial risk or general capital market risk including possible total loss or low point when the money is needed" better fits the general life risks that one already carries anyway. And don’t forget, building a house is a leveraged (use of borrowed capital) investment.

That sounds harsh, but anyone who realistically risks having to have EVERYTHING liquid due to an emergency has too little to invest.

The stock market makes sense if you have a long breath and do NOT(!) liquidate in crises. Only then. But then properly.

Regarding total loss: A total loss of a broadly diversified portfolio would indicate a problem in the background, where cash wouldn't help either.