Costs may also apply if you disinvest or, in other words, if you want to get back the money you invested. If you sell assets in which you have invested, be aware that fees and commissions may apply as well. If you sell shares, you will have to bear transaction and brokerage fees in the same way as when you were buying these securities. An investment fund may charge you a redemption fee if you leave the fund.

And finally, whatever your investment looks like, taxes and charges can have a significant negative effect on your returns.

These examples are far from covering all costs that may apply when you invest.

Be aware that when investing, you can try to reduce costs, but you can’t avoid them entirely. Solid financial products have a price, and good investment advice also deserves adequate remuneration.

Don’t opt for a specific investment simply because it is cheap, but be careful not to pay too much either. Carefully analyze all potential fees, commissions, taxes and fees and keep in mind that a lack of transparency of a financial product is often a sign of high costs.

A final word: If you are discouraged by potential costs, remember that not investing will cost you money as well. By simply keeping your money under your mattress, its value will decrease over time due to the effect of inflation.