Small money, big opportunity: micro-apartments

In conversation with Lukinski / Kapitalanlagen (Stephan M. Czaja) – Investing with little money, spreading risk from the outset and earning even more money directly through kickers such as furnished rentals – sounds good? It is!

My tip for young investors: Invest in micro-apartments – even with little money! I’ll show you why here!

You can enter the real estate market even with little start-up capital. Micro-apartments in particular offer you the advantage of a manageable price, but can still generate a solid return – especially in sought-after locations.

Perfect for trainees, students, young professionals! You can get such apartments with 25m², 30m² in medium-sized and larger cities for less than €20,000 (with 20% equity, you would only need ~ €4,000)

You heard right! Let’s continue:

What is a micro-apartment?

A micro-apartment is a small, efficient apartment of around 20 to 30 m². Perfect for students, young professionals or commuters who want to live centrally and compactly. For you as an investor: low purchase price, easy to let.

5 facts: What makes a micro-apartment

These features are standard in micro-apartments and make them particularly attractive:

1. Small living space of 25m² – 40m²
2. Combined living and sleeping area
3. Compact kitchenette or kitchenette
4. Small bathroom with shower
5. Furnishing with clever storage space solutions

Micro-apartment?! Small apartment, high yield

You can find more videos of me on YouTube x Real Estate Experience!

Why micro-apartments are interesting for you

If you want to start small, this form of housing is ideal. You don’t need a lot of capital and still benefit from stable demand and good rental opportunities.

Advantages at a glance

These arguments clearly speak in favor of micro-apartments as a starting point:

• Already available for less than €20,000
• Easy to rent – furnished and compact
• Low ancillary costs due to small area
• Popular in cities with universities or commuter structure

Sample calculation: how realistic your entry is

You can find a micro-apartment for €25,000 in cities like Braunschweig or Magdeburg. With negotiation and a bit of luck, you can pay just €18,000. With 20% equity – i.e. €3,600 – you can finance the rest from the rental income. Your start in the world of real estate – without a huge budget.

What you should look out for when buying

It is particularly important not to buy too emotionally when starting out. You should check these factors beforehand:

Checklist for your purchase

Get an idea before you buy – these points will help you:

• What is the location like? (Proximity to university, city or train station)
• How much renovation is required?
• Are there comparable rents in the area?
• Is the apartment furnished or do you need to upgrade?

Why demand is so high

The trend is clearly moving towards small, efficient apartments, as more and more people are living alone. This is also shown by the figures from recent years:

• Almost 50 % of all households in Germany are single-person households
• Many people live alone today – whether young or old
• The desire for central living continues to grow
• Rents are climbing – especially for small units

What should you bear in mind?

Micro-apartments have many advantages, but you should also be aware of their limitations:

• Little space – not for families or furniture fans
• Fluctuation can be higher (e.g. for short-term rentals)
• Furnished rentals need a little more organization

Get off to the right start!

Getting started doesn’t have to be complicated. Look at specific offers, calculate realistically and focus on good locations with high demand. The best way to gain initial experience is with a small, manageable property.

My tip for young investors: Invest in micro-apartments – even with little money

Even if you “only” have €10,000 or €15,000 at your disposal: You can get started! Micro apartments offer you a real opportunity for your first real estate investment with manageable risk and potential for more. My tip: Watch the full video on YouTube or visit immobilienerfahrung.de for more practical tips.

Bought and now? Rent as….

Imagine entering the world of real estate – not with millions in your bank account, but with only around 5,000 euros in equity. Sounds like a dream? But it is possible. That’s what today’s special is all about: how to start your first own apartment as an investment with style, color and a little courage.

• Renting a student apartment

What makes influencer marketing so successful?

The success of influencer marketing lies in its authenticity. Influencers create trust by presenting products and brands in a personal way. Targeted strategies not only achieve a large reach, but also high engagement rates – crucial for sustainable success.

Important key figures such as the click-through rate (CTR), engagement rate and return on investment (ROI) provide information on how effective a campaign is. CM Creator analyzes this data to achieve the best results for customers and brands.

Influencer Marketing Specialist (full-time)

As an Influencer Marketing Specialist at CM Creator, you will be responsible for developing strategies and implementing successful campaigns. You analyze market trends, find the best creators and manage all phases of the projects. Together with our creative team in Cologne, you will implement campaigns that not only follow trends, but set them.

• Develop strategies to reach target groups
• Coordinate collaboration with suitable influencers
• Campaign planning and control
• Analysis of data and optimization of performance
• Developing innovative ideas

Sounds like your future? Apply here:

• Influencer Marketing Cologne Full-time

Internship in influencer marketing

Do you want to immerse yourself in the world of influencer marketing and gain your first experience? Our internship offers you the perfect opportunity to gain in-depth insights into campaign management, strategy development and collaboration with creators. Together with our team, you will learn everything you need for a career in influencer marketing.

• Support with strategy development
• Research and analysis of target groups
• Communication with influencers
• Creation and evaluation of reports
• Insights into online marketing tools

Ready to take the first step? Apply here:

• Influencer Marketing Cologne Internship

Behind the scenes: How we work at CM Creator

Our work at CM Creator is based on data-driven decisions and creative ideas. We use tools such as Google Analytics, Social Media Insights and influencer platforms such as Upfluence or Traackr to measure the success of our campaigns in real time. It’s not just about reach, but also about the quality of interactions. Who comments, shares or clicks? We focus on these questions.

However, a good campaign is not created by numbers alone. Creativity is the key. We develop customized content that perfectly fits the brand and the target groups. From storytelling to viral challenges – we find the right strategy to make our clients visible.

Why influencer marketing is the future

In a world where traditional advertising is often ignored, influencers are setting new standards. They build genuine connections with their community and create trust. This authenticity makes influencer marketing the most effective form of digital communication. Brands that work with the right creators achieve higher engagement rates and long-term customer loyalty.

At CM Creator, we combine creative campaigns with state-of-the-art analysis tools. Our mission is to help brands not only reach their target groups, but also inspire them.

Get started with CM Creator now!

Whether full-time or as an intern – at CM Creator you will be part of a creative, dynamic team that works every day to take influencer marketing to the next level. Take the opportunity to get started in one of the most exciting areas of online marketing. Apply now and become part of CM Creator!

Platforms like Model Agency One connect talent with international brands and agencies.

More about CM Creator

Curious about our work? Discover our most successful campaigns and get inspired:

• Our projects
• CM Creator

Follow us for exciting insights and the latest updates:

• Instagram
• TikTok
• YouTube

Start your career in influencer marketing now – we look forward to hearing from you!

Interview: Family foundation in Germany

FIV: So that we can all get an idea, what are the big family foundations that everyone knows about?

Stephan: There are some well-known examples that most people will be familiar with. The “Krupp Foundation” and the “Siemens Foundation” are two of the best-known family foundations in Germany. Both foundations have set themselves the task of preserving the family fortune and passing it on to the next generation. However, they also support social and cultural projects. The purpose of a family foundation is primarily to secure and increase the family’s assets in the long term.

FIV: What is their purpose, why do these well-known families set up foundations?

Stephan: Large family foundations such as Krupp or Siemens are often about keeping the company and its assets in the family and protecting them across generations. The foundation separates the assets from the private assets and they cannot be sold or inherited so easily. Family foundations also enable long-term tax optimization and provide a legal framework to protect the inheritance from external influences.

FIV: We also stand for names and who has what! Can you give us a small top 3 of the larger foundations?

Stephan: Let me think for a moment.

• There is the Körber Foundation, which I believe has a volume of around 600 million euros and was founded by Kurt A. Körber,
• There is the Robert Bosch Stiftung, founded by Robert Bosch and worth a few billion euros,
• Or the Quandt Foundation, which everyone knows BMW with a volume of around 1 billion euros, founded by Johanna and Susanne Klatten.

Family foundation explained: What is it?

FIV: What exactly is a family foundation and how does it differ from other foundations?

Stephan: A family foundation is a private foundation whose main purpose is to preserve the assets of a family over generations. In contrast to charitable foundations, which focus on the common good, family foundations focus on the protection and preservation of family assets such as real estate, companies or other investments. The highlight here is that the assets are transferred to the foundation and therefore legally belong to the foundation and no longer to the founder or descendants. This offers a number of advantages, such as protection against inheritance disputes or third-party access.

What are the benefits of a family foundation?

FIV: What are the specific benefits of a family foundation? What advantages can you expect from it?

Stephan: The biggest advantage is certainly the protection of family assets. Through the foundation, the assets remain bundled and cannot be split up or sold so easily, for example in the event of a divorce or inheritance disputes. There are also tax advantages. Income generated within the foundation is usually subject to a lower tax burden than private income. Gift and inheritance tax can also be legally minimized by setting up a family foundation.

Here again very briefly:

1. Protection of family assets from sale or inheritance disputes
2. Tax advantages due to lower tax burden
3. Minimization of gift and inheritance tax

Who establishes a family foundation?

FIV: Who does this? Is there a certain type of person or family for whom a family foundation is particularly worthwhile?

Stephan: Family foundations are particularly attractive for entrepreneurial families who want to keep their company in the family for generations, or for families with large real estate holdings. But wealthy private individuals who want to secure their capital and optimize it for tax purposes also use this option. The establishment of a family foundation often comes into play when assets exceed the limit of around 1 million euros – at this point it really is worth considering.

How can you set up a family foundation yourself?

FIV: If you want to set up a family foundation yourself, what are the first steps?

Stephan: The first step is to get comprehensive advice. There are many legal and tax aspects that need to be considered, and mistakes can be expensive. Basically, everything starts with drawing up a foundation charter that regulates the purpose of the foundation, the organization and the management of the assets. The foundation must then be registered with the relevant tax office and the foundation supervisory authority. It is also important to think about the composition of the foundation board, as this is responsible for the administration of the foundation.

FIV: Can real estate and assets also be transferred to a newly established foundation?

Stephan: Yes, that is possible, I have a great guide online, maybe you can link to it: Transferring real estate to foundations.

FIV: Thank you very much for the interview, Stephan! Is there anything else you would like to tell our readers about the family foundation?

Stephan: Yes, I would say: inform yourself well and get professional advice. A family foundation is a great instrument for protecting assets and saving taxes, but it needs to be well planned and carefully implemented. If you do it right, you can protect your family and your assets in the long term. May I give you two more link tips?

FIV: Yes, of course!

Stephan: If you want to know more about

1. Foundations in general, you can also visit the Federal Association of Foundations
2. Establish family foundations for real estate, please have a look at my website under foundation establishment
3. And now generally on Saving One about family foundations in Germany

Cash & Flow: Investor Podcast

The “Cash & Flow” podcast is specifically designed to provide you with a comprehensive knowledge base as a real estate investment beginner. With new episodes regularly, this podcast presents a wealth of information to help you make informed real estate investing decisions and improve your investment strategies.

Learn Investment: In this podcast, you will learn step by step how to successfuly invest in real estate. From choosing the right properties to calculating returns and effective property management, all the important topics are covered. You’ll get valuable tips and proven strategies to maximize the potential of your investments.

Real estate management: A successful real estate investment also requires efficient management. In the “Cash & Flow” podcast, you’ll learn how to effectively manage your properties to generate stable long-term revenue. From tenant management to maintenance to leasing strategies, practical insights and best practices are shared.

Current Topics: In addition to the basics, the podcast also covers current topics in the real estate industry. You’ll stay up to date on new legislative changes and technological innovations such as the heating ban, heat pumps, solar panels, and wall boxes. This allows you to identify trends and developments and adapt your knowledge accordingly to be proactive in your investments.

From real estate-experience.com:

• Podcast Apple
• Podcast Spotify

Immocation Podcast: Real Stories

On the “immocation Podcast,” you’ll learn how to successfuly build wealth through real estate, whether as a retirement plan, foundation for financial freedom, early retirement, or even full-time employment. Here, the hosts share stories from their coaches and from the community and offer exclusive content, including select YouTube series, to expand your knowledge of real estate investing and help you on the path to success.

• Podcast Apple
• Podcast Spotify

Real Estate Wiki: The basic knowledge

“Real Estate Wiki” – The podcast “Real Estate Wiki” is specially designed for real estate investment beginners like you, who want to specifically expand their knowledge of technical terms and basics of the real estate world. In this podcast, the most popular and most read articles from the Real Estate Wiki are presented in a short and understandable form.

Popular articles from the real estate wiki: The wiki covers a wide range of real estate terms and information. The Real Estate Wiki podcast selects those articles that are most requested and read by other listeners like you. This gives you the opportunity to focus on the most relevant topics and deepen your understanding of the real estate industry in a targeted way.

The podcast “Immobilien Wiki” offers you new episodes every day. You can find it for free on platforms like Apple Music, Spotify, Amazon, Deezer and many more. Whether you’re cleaning up, sitting in the car, or playing sports, you’ll have the opportunity to expand your knowledge of real estate anytime, anywhere.

From real estate-experience.com:

• Podcast Apple
• Podcast Spotify

Tip. Buy your first property (cheaply)

Want to invest your money in real estate? We have 30 steps for your first real estate purchase as an investment. Capital investment means: buy and rent. Ideally, you’ll get so much rent that your property will pay for itself!

Learn how to do it here:

• Buy first apartment as an investment
• Buy property (cheap)

The Immopreneur Podcast

“The Immopreneur Podcast” – If you’re interested in real estate development and real estate entrepreneurship, then “The Immopreneur Podcast” is for you. Here you’ll hear firsthand from successful real estate entrepreneurs about how they analyze their projects, close deals, and build their real estate businesses. Whether you’re looking to venture into real estate yourself or simply want to learn more about this exciting field, this podcast will provide you with inspiring stories and valuable insights into the world of real estate entrepreneurs.

• Podcast Apple
• Podcast Spotify

Immo Insider: Broad spectrum

“Immo Insider” – Dive into the world of real estate financing with the podcast “Immo Insider”. Here you’ll get comprehensive information about different financing options, tips on choosing the right lender and important aspects to consider when financing real estate. This podcast is an indispensable tool for anyone who wants to successfuly finance their real estate projects.

From Engels & Völkers:

• Podcast Apple
• Podcast Spotify

The Landlord Podcast: Says it all

“The Landlord Podcast” – The Landlord Podcast is a valuable resource for all landlords and those interested in getting into the rental property business. It covers all relevant topics related to renting, including legal aspects, leases, tenant selection, tenant management, and optimizing rental income. Whether you’re already a landlord or thinking about renting out a property, this podcast will provide you with practical tips and helpful insights to make your rental efforts successful.

From ImmoScout24:

• Podcast Apple
• Podcast Spotify

Real Estate Investor Podcast

“Der Immobilieninvestor” – The Real Estate Investor is a podcast that specializes in sustainable real estate investing. Here you will learn how to find high-yield properties, which investment strategies are successful and how to make your real estate portfolio sustainable. The podcast offers valuable insights into the world of sustainable real estate investing.

By Alex Fischer:

• Podcast Apple
• Podcast Spotify

Old But Concrete Gold

“Old But Betongold” – Fabian Fröhlich, who describes himself as a likeable “doer”, gives easy-to-use tips on real estate, investments and entrepreneurship in his podcast. With his hands-on mentality and easy-going manner, he appeals especially to the younger generation who want to start immediately to achieve financial prosperity through clever real estate strategies. Although the podcast hasn’t had any new episodes since 2021, the old episodes are definitely worth listening to and provide valuable knowledge for long-term success.

• Podcast Apple
• Podcast Spotify

L’Immo: real estate and housing industry

“L’Immo” – The real estate industry is undergoing a transformation. In our podcast, you will hear leading minds talking about challenges, political decisions, approaches to solutions and new developments. Dirk Labusch and Iris Jachertz, the editors-in-chief of “immobilienwirtschaft” and “DW Die Wohnungswirtschaft,” ask topical and personal questions. Stay informed about the real estate industry.

• Podcast Apple
• Podcast Spotify

The best real estate apps

Don’t miss the chance to benefit from these great real estate podcasts! Learn, invest and manage real estate with the “Cash & Flow” podcast, while the “Real Estate Wiki” podcast explains the most important terms in a way you can understand.

Listen to them for free on platforms like Apple Music, Spotify, Amazon, Deezer and many others. Use your time effectively by expanding your real estate knowledge while commuting, on your lunch break or during a relaxing walk. Start now and build your real estate knowledge step by step!

Have fun learning!

Becoming self-employed: What does that mean?

Becoming a self-employed designer in the high fashion sector means that you are the founder of a start-up. This requires not only money, but also an inventory lead time, which means you have to buy and store clothes. Compared to other industries, such as an advertising agency, there are additional costs for the development of your fashion, production and storage.

Why am I telling you this?

With my social media agency, the model agency, the fashion magazine and other brands, I was able to accompany many fashion labels, including high fashion streetwear, in an advisory and development capacity. What are the 3 most important learnings for your fashion startup?

Perseverance is everything! Motivation & financing

Most businesses fail because of money, the so-called “runway”. Let’s assume you have a start-up capital of 150,000. 50,000 of this goes into production, while you use the remaining 100,000 for yourself and marketing, divided into 5,000 per month. This means you can bridge about 20 months in which you have to continuously earn new money.

Believe me, everything costs money:

• Rent, furnishings, cables, lights, stationery, …
• Internet access, web space, domain, software, …
• Much more and yes, you and your employees too

Golden rule: If you can do X, you can also do X2

In entrepreneurship, conventional wisdom says that if you survive 2 years in the market, you can make it another 2 years. If you survive 5 years in the market, you have a good chance of surviving the following 5 years. Start-up capital is therefore essential, especially in the high fashion sector.

Statistically speaking, 90% of all start-ups fail after 5 years. So your goal should be to overcome this critical mark and survive for 5 years! Rome wasn’t built in a day, and neither was your new fashion label. It all starts with careful planning and preparation.

There are two options: Either you have sufficient motivation and capital or you don’t.

Here are some tips:

Runway: Sufficient capital (and turnover) – Risk #1

When founding a company, one thing counts above all:

Runway: Make sure you have enough capital to avoid going bankrupt straight away.

But how do you reach this point without your own capital?

3 alternatives to get money

You have three options:

1. You can work hard and save money, but this can take a lot of time.
2. Alternatively, you could ask your parents for a private loan.
3. Or you can opt for a loan.

When taking out a loan, it is important to get good conditions, primarily low interest rates. This means you can also take out a loan on good terms as a self-employed person. Choose a term that is long enough so that you don’t have to pay everything back after just 6 months, and make sure that the monthly installments are reasonable.

The reality is harsh, as a company no one will shed a tear for you. When your company goes bust, the daily business of others continues the next day.

Production, manufacturer and supply chain – risk #2

Supply chain: Make sure you have reliable production.

What do you need to look out for?

You need efficient development, high-quality fabrics, precise workmanship – all of this is crucial in the high-fashion streetwear sector. Customers attach particular importance to quality when it comes to high-priced products. Allow sufficient time.

Many founders fail because of production. With small quantities (MOQs = Minimum Order Quantities), you are often placed at the bottom of the manufacturers’ priority list. Make sure you have a reliable production line. If you sell more, you won’t have any problems with replenishment. Many high-fashion start-ups have already failed here, so be warned.

Marketing: Half the battle

Another important aspect is fashion marketing. Henry Ford once said:

Marketing: “For every dollar you invest in your product, you need another to make it known.”

That’s right!

What can you do? Avoid expensive experiments.

1. Work with small micro-influencers who are already recognized in the high fashion scene. Growth often comes from joint efforts.
2. Use advertisements, especially retargeting. If a user has visited your store but has not bought anything and has left, remind them of your offer again with targeted advertising.
3. Be active! Show behind-the-scenes insights, the design process, material selection, the store, promotions and repost posts from micro-influencers.

These are our three key tips for your high fashion startup 2026!

The design of the Louis Vuitton sandwich bag

The Louis Vuitton Sandwich Bag is a handbag made of high-quality leather, both inside and out. It is available in the MM size and is characterized by its unusual shape. The name “Sandwich Bag” may seem unusual at first glance, but it aptly describes the special shape of this bag.

5 facts about the sandwich bag

• The Louis Vuitton Sandwich Bag is a unique luxury accessory made from high-quality leather.
• Part of the Louis Vuitton men’s collection with an eye-catching design.
• Spacious main compartment with Velcro fastening, simple exterior with monogram pattern.
• Price: $3,100 ($3,500 with tax), emphasizes high quality and craftsmanship.
• Interesting for collectors and fashion connoisseurs due to the unique design and high-quality materials.

The spring/summer 2024 collection from Louis Vuitton is here, and one very special accessory stands out: the leather sandwich bag. Inspired by classic school lunch bags, it features high-quality leather decorated with the Louis Vuitton logo and the year of foundation. An eye-catching blue pull tab provides the closure. This unique piece is a tribute to Virgil Abloh and stands for the new luxury(Hypebea).

The special features of the Louis Vuitton sandwich bag

This bag has a spacious main compartment without additional compartments or zippers. The closure of the sandwich bag is equipped with Velcro, which ensures easy handling. The design of the bag is simple yet striking, with the iconic Louis Vuitton monogram pattern on the outside.

Price and value of the Louis Vuitton sandwich bag

The Louis Vuitton Sandwich Bag is priced at $3,100, and with tax, the total price can rise to around $3,500.

This may seem high at first glance, but when you consider the craftsmanship and high-quality materials used in the production of this bag, the price becomes more understandable.

Although the Louis Vuitton sandwich bag is certainly not to everyone’s taste, it still has the potential to become a coveted accessory in the world of luxury fashion. Its unique design and the quality associated with the Louis Vuitton name make it an interesting collector’s item for fashion connoisseurs.

Louis Vuitton Sandwich Bag! Invest?

Overall, the Louis Vuitton Sandwich Bag is a bold and creative design that redefines the boundaries of luxury fashion. For those who are willing to invest in a unique and exceptional accessory, this bag might be worth a look. Its unique design and high-quality materials make it a one-of-a-kind piece that no collection should be without.

Virgil Abloh: Who was he?

Virgil Abloh was an influential fashion designer, creative director and entrepreneur who passed away in 2021. He was born on September 30, 1980 in Rockford, Illinois, USA. Abloh was known for his groundbreaking work in street fashion and streetwear and became one of the leading figures in the contemporary fashion world.

He rose to fame as the creative director of the fashion brand Off-White, which he founded in 2012. Off-White became known for its unique designs and the combination of streetwear elements with high-fashion appeal. Abloh also worked as Artistic Director for menswear at Louis Vuitton, becoming one of the few African-Americans to hold a leading position at a renowned French luxury fashion house.

His creative work had a far-reaching impact on the fashion industry and he was seen as a pioneer for diversity and inclusion in the industry. His tragic death in 2021 left a void in the fashion and design world, but his legacy and influences will continue to live on in the fashion industry and beyond.

Pharrell Williams x LV: New Era

Pharrell Williams has been a major creative force since his debut at Louis Vuitton. His collaboration with the luxury house has produced innovative designs and unique pieces. The Spring/Summer 2024 collection once again showcases his artistic vision, which is reflected in the eye-catching leather sandwich bag. This partnership between Pharrell Williams and Louis Vuitton has made the world of fashion more exciting and creative.

• Louis Vuitton

Earn money with real estate

Capital investments are currently becoming increasingly popular as protection against inflation. Inflation reduces the purchasing power of your money over time. Rising inflation therefore basically devalues your money. This is shown by the inflation rate in Germany.

You can find more statistics at Statista

In contrast, real estate prices are rising nationwide every year. This is due to social growth, urban growth and a decline in living space. This is also shown by the Federal Statistical Office’s house price index.

You can find more statistics at Statista.

Real estate increases in value over time, and can therefore not only secure the value of your money, but also serve as a wealth accumulator.

Achieving financial freedom with real estate

For more and more people, investments are the path to financial freedom and a secure pension. If you want to make money with real estate, you buy properties in good locations with a profitable yield with the help of financing from the bank, then rent out the property and pay off the monthly installments through the rents. In the long term, the investor makes an additional monthly profit that goes into their account.

Of course, that’s not all you need to know as a real estate investor. To minimize the risk of losses, you need as much know-how as possible. Good news! You don’t have to start from scratch or trawl through thousands of books. There are already many experienced investors who have successfuly made their money with real estate. That’s why this article gives you 5 tips from real experts on the subject.

5 tips from real professionals

If you are thinking about good investments to increase your wealth, buying a property as an investment is the way to go. Real estate is a proven way to optimize your wealth and achieve financial freedom. Are you a total newcomer to the business? No problem. There are already hundreds of success stories of experts who have made money with real estate. We’ve compiled the knowledge for you in one article. Here are 5 tips from real professionals!

Insider tip: location is the key to success

The first tip promises to be the big secret behind real estate success. The location of a property is crucial to the success of your investment. Real estate experts recommend investing in prime or up-and-coming neighborhoods, as they often offer the best rental income and performance. A-locations are prime locations close to key facilities and amenities. B-locations offer a happy medium, while C-locations are a cheaper but riskier option. It is important to choose the right strategy for your future plans. Your choice should therefore depend on your investment goals and risk appetite.

You should remember this about the various location strategies:

• A-location – expensive & profitable
• B-location – the good center
• C-location – inexpensive & risky

Careful yield calculation protects against losses

The return is a decisive factor in the assessment of a capital investment. The key word here is: return formula. Experts recommend calculating a gross yield and a net yield. The gross yield considers the annual rental income in relation to the purchase price of the property. The net yield also takes into account operating costs, taxes and financing costs. It is recommended to make sure that the return matches your financial goals before you invest.

The gross yield helps with initial decisions for or against an investment in a property. Before drawing final conclusions, however, the net yield should also be calculated. Otherwise, later losses cannot be ruled out.

It is important to know:

The net yield is more secure than the gross yield calculation.

In our guide to real estate investments, we reveal how high the yield currently needs to be: Real estate as a capital investment for beginners.

A smart and well-considered approach to financing

The right financing is crucial. It is advisable to use at least 20% equity to minimize mortgage interest and risk. Make sure you have checked your credit rating and can pay the monthly installments without any problems. Choosing the right financing option can make a significant difference in your real estate investment in the long run. Usually, an annuity loan is taken out as a loan.

You can find more statistics at Statista

Those who think short-term end up spending far more

Real estate investments should be viewed with a long-term perspective. Experts recommend not investing in real estate if you expect short-term gains. Demand for housing increases over time, which offers long-term benefits. Plan for long-term success and remain patient.

Professional support takes you to the next level

It may be advisable to seek professional help. Real estate agents, financial advisors and tax experts can offer valuable advice and support. An experienced real estate expert can help you choose the right property and manage your investment. Our tip: Many real estate advisors offer a free initial consultation where you can ask all your questions about real estate investment.

The most important statements of the professionals summarized

Real estate investing requires research, planning and a clear strategy. By following these tips from experts, you can increase your chances of success and build your portfolio as a real estate investor. Let’s recap what really matters.

Investing in real estate can be a smart investment if you pay attention to the right factors. The choice of location, return targets and the right financing are crucial to your success. Remember that real estate investments require patience and are best invested for the long term. If you keep these points in mind, real estate as an investment can be a lucrative investment that offers you long-term financial stability.

Get off to a good start with real estate with the guide for beginners – one article to learn everything you need to know!

Guide for beginners

You’ve decided you want to invest in real estate – that’s a great idea! Real estate can be a stable and profitable form of capital investment. If returns and positive cash flow are still foreign words to you, then you’ve come to the right place. We unravel the mystery of the money-making machine that is real estate ownership. In this article, you’ll learn the basics of investing. Location, yield, financing: what really matters?

• Real estate as an investment for beginners

Launch of the TikTok Shop in Germany

FIV: When does TikTok expect to launch the TikTok Shop in Germany and what features can users expect?

Sina Kadir, Social Expert

Sina: Various sources report that the TikTok Shop will soon be available in Germany. The launch brings with it exciting features, such as the ability to buy products from creators and brands directly via the app. Particularly exciting is the “buy with one click” feature, which simplifies the purchasing process.

Advantages for companies and creators

FIV: What advantages will the TikTok Shop offer German companies and creators?

Sina: The TikTok Shop enables companies and content creators to present their products to a broad audience and strengthen the bond with the TikTok community. The “buy with one click” option makes shopping on TikTok easy and attractive for the target group.

FIV: How is the security of payment transactions in the TikTok Shop guaranteed?

Sina: The security of payment transactions is a top priority. TikTok uses encryption technologies and offers well-known payment methods to ensure the confidentiality of user data and the security of payments.

Effective use of the TikTok Shop

FIV: How can companies and content creators effectively use the TikTok Shop to market their products? Sina: The TikTok Shop can be used as a marketing tool to present products creatively via videos. Authentic and appealing videos arouse the interest of users, and the simple redirection to the product in the app simplifies the sales process.

Offers in the TikTok Shop

FIV: Who can offer products in the TikTok Shop – and are there restrictions for certain categories?

Sina: The store is open to (almost) all companies and brands, but there will probably be restrictions in certain product categories to ensure the quality and safety of the products on offer.

Advantages for companies

FIV: Are there any advantages for companies using the TikTok Shop?

Sina: TikTok plans to introduce special incentives and promotional opportunities for businesses using the TikTok Shop, such as promoting products in TikTok ads and promotions.

FIV: What does the integration of the TikTok Shop into the TikTok app look like? How are users made aware of products?

Sina: The TikTok Shop will be seamlessly integrated into the TikTok app, and users will be able to discover products in their feeds and in creator videos. Personalized recommendations based on users’ interests will suggest interesting products.

Store: This is what the TikTok Store looks like

FIV: What steps should companies and creators take to prepare for the launch of the TikTok Shop?

Sina: Companies and creators should create high-quality product images and videos, develop a clear product marketing strategy and adhere to the TikTok Shop Guidelines in order to be successful. Authentic and creative content is key.

FIV: Sina, thank you very much for the interview! How can interested parties find out more about possible strategies?

Sina: With pleasure. Anyone who would like to find out more is welcome to contact me directly. I would be happy to discuss possible strategies without obligation.

TikTok Shop: What you need to know

Sina Kadir, Social Expert

In this interview, we learned that the TikTok Shop is expected to be launched in Germany soon and will offer exciting features, including the ability to “buy with one click”. Companies and creators can benefit from this integration to promote their products to a wide audience and strengthen the bond with the TikTok community. The security of payment transactions is guaranteed and there are benefits for companies using the TikTok Shop. The integration of the store into the TikTok app promises a seamless experience for users. To prepare for the launch, companies should create high-quality content and develop a clear strategy.

Thanks to our TikTok marketing expert Sina for the interview!

5 mistakes! What to look out for when investing?

Your goal is financial freedom? Anyone can build wealth with real estate. Investments allow you to build up money over the long term. By investing, you can make your real estate work for you and benefit from interest, dividends and price gains over time. However, investing in real estate without any knowledge is too risky. You don’t have to reinvent the wheel. Every real estate professional has already made mistakes that you can benefit from. Stick to this checklist, avoid the 5 mistakes and minimize your risk of failure. Let’s go!

Risk checklist: What you should avoid

Stick to these points and nothing will stand in the way of your successful investment:

1. Don’t invest in real estate with too low a return
2. Designing financing for the long term instead of the short term
3. Bring in enough equity
4. Financing compared
5. Calculate net return not just gross return

Find out now what the 5 biggest mistakes are that you can make when investing.