Why don't construction prices go down?

Fees often have a fixed component and are capped upwards.

Meanwhile, the cap is often €1, savings plans are often free of charge. Anyone still trading through Sparkassen Broker or similar is to blame themselves. There may be good reasons not to go to the stock exchange, but fees have not been part of it in recent years. The different taxation is correct, and the difference becomes even greater when considering social security contributions or their errors on capital gains. Although personally, I wouldn’t bet that the flat tax will survive another decade.

Oh... and there is also a difference whether I have to slave away somewhere for 8-10 hours a day for little money and can only take out the smartphone every 2 hours or whether I sit in the office or home office with 2, 3 screens and constantly have the trading platform open on one of them and follow the prices in order to get in and out at the right time... When I am commissioning something, I look at my private phone in the morning and then the next time at noon and then again at the end of the day... there is no time to deal with the stock market etc. I experience that completely differently with many who sit in the office. There is actually always something private open on the second screen.

In this respect... you are privileged, many others simply cannot do it the way you do. So please hold back a little.

By the way, this is also a reason why more and more people vote for the AfD. Because privileged people constantly explain to them that they could also do this, that and the other and become wealthy. But it doesn’t work...

Or whether I’m sitting in the office or working from home with 2 or 3 screens and constantly have the trading platform open on one of them, following the prices to get in and out at the right time...

To be fair, if you think you can act like that on the stock market, you have no place there as a private individual. ( Three quarters of the "professionals" don’t either, by the way, if you look at the track records… )

One has to be fair and say: If you think you can act LIKE THIS on the stock market, as a private individual you have no business there. (By the way, three quarters of the “professionals“ don’t either, if you look at their track records…)

Oh, you’re wrong, my friend, you’re wrong. I have a few colleagues who do exactly that quite successfully. Sure, they don’t make millions and they don’t trade in a way that all positions are closed overnight... but a few thousand a year do come out of it... Simply because they have time alongside work to deal with it. That’s not granted to the craftsman or the elderly caregiver. I’ve even sat next to some clients who actually did day trading on the side. Charts were running on their screens, I feverishly programmed and tested, because naturally everything was delayed again... and he kept bothering me with Fibonacci retracements, candles, and all that stuff ;) If you don’t have to live off it, but only do it as a hobby alongside work, you’re much more relaxed than a day trader who has to “gamble away” their loan installment.

The winning strategy in the stock market has long been Buy and Hold on the broad market. I don't do more than that, because I lack the time and expertise for in-depth analysis of business figures. The effort involved in the whole thing is entering the numbers in the tax return once a year. Of course, you don't get rich with the capital I have invested, and you can't live off it at 40 either. But if it goes well, maybe private early retirement from 60 ;)

Oh, and there is also a difference between having to slave away somewhere for 8-10 hours daily for little money and only being able to pull out the smartphone every 2 hours. Or sitting in the office or home office with 2, 3 screens and constantly having the trading platform open on one of them, monitoring the prices to get in and out at the right time...
When I am commissioning something, I look at my private phone in the morning, then again at noon, and then once more at the end of the day... there is no time to deal with the stock market and so on. I experience this completely differently with many who sit in the office. There is actually always something private open on the second screen.

So... you are privileged, many others just can't do it the way you do. So please hold back a bit.

By the way, that is also a reason why more and more people are voting for the AfD. Because privileged people constantly explain to them that they could also do this, that, and the other and become wealthy. But it’s not possible...

Spending that much effort for a few thousand a year is neither efficient nor particularly successful. I categorize that under hobby and trying to sound important. I rather follow Kostolany’s investment strategy and have been very successful with it for years. Back when I still worked at the bank, we hardly had any customers who had beaten large indices in the long term with this trading strategy.

So you can do it if you love the thrill. But in the long run, you hardly earn more returns that way.