What are some options for 1000 investments

The clever way to invest 1000 euros - what options are there?

The possibilities to invest “little” money

It is a stroke of luck, but it is not unlikely that you suddenly have a small amount of money at your disposal. Perhaps through reimbursement on your income tax return or through an inheritance, perhaps also monetary gifts on special occasions such as special birthdays: Suddenly you are holding 1000 euros in your hand and are wondering what you can do with this sum. Of course, you can spend the money on consumer goods and fuel consumption. But you can also consider whether you can make more money from the amount by investing and investing the 1000 euros.

Debt comes before investment

When considering how to deal profitably with your 1000 euros, it is important to observe the well-known principle when investing: debt repayment comes before new investment. In other words: Before investing any money, you should be free from debt. Debt is usually more expensive than the return that can be made on an investment. No debt? Then the second principle of investing needs to be checked: Is the money really over? How can you check that? Here, too, a principle can be applied. For sudden emergencies, you should always be able to freely dispose of around two to three net monthly incomes. If this is the case for you even without the 1000 euros, then you can continue to consider which system is the best for you.

Save with little risk

Even if you have determined that the 1000 euros are “over”, they do not have to be risked without thought. There is little risk involved in saving in the form of savings accounts, fixed-term deposits and overnight deposits. With this type of investment, the money is often available at short notice and there is no risk of loss. On the other hand, returns are hardly or hardly to be expected due to the low interest rates.

What are Exchange Traded Funds?

If you don't want to save, you will quickly come across the abbreviation ETF during your research. This stands for Exchange Traded Funds. They are comparable to an index on a stock exchange, such as the DAX. The advantage of this type of investment is that there are no management fees, as ETFs are not managed by a manager. The return on this investment is determined by the development of the market and not by individual stocks. The ETFs are a great way to get your 1000 euros invested and put to work.

Shares as an investment

With ETFs as well as stocks, you should always be aware that these investments also involve risks. Here, too, a principle: the higher the possible return, the higher the risk of loss in most cases. For an investment in shares, a sum of 1000 euros is the minimum amount. For amounts below this limit, investing in stocks makes little sense. This is also due to the costs that arise from ordering the share. For the smaller sum, it is worthwhile to set up a savings plan. This gradually increases the total amount of the investment without incurring additional transaction costs. With the help of equity funds, the risk of the deposit can be divided and thus minimized. This also avoids the problem that the investment amount of 1000 euros can only be invested in one share. Investing in a share does not, of course, involve any risk diversification and is therefore to be assessed as very risky.

Is crowd investing an alternative?

Crowdinvesting often offers even higher returns than ETFs and stocks. The principle behind this type of investment is simple: Several (mostly private) investors join forces to finance a project. Ideally, these projects generate a return that goes to the investor. Such projects can be startups, i.e. company foundations, but also loans to private individuals and the like. The mediation between investor and project takes place via appropriate internet platforms, which usually also check the seriousness and sometimes also the creditworthiness of the projects. The advantage: With an investment of 1000 euros, you can participate in numerous projects. The return possibilities are usually higher than with shares, ETF and savings book. Real estate crowdinvesting is a special form of crowd investing. Such projects can yield interest of up to 7%. On the other hand, there is a correspondingly high risk that the project will fail and the investment will be lost.


The unexpected often comes. If you suddenly have 1000 euros in your hand, you are spoiled for choice as to what to do with it. If you want to invest and invest the 1000 euros and generate a return with this sum, you can do so with savings, for example with overnight money and a savings account. Investing in stocks is a bit more risky. However, it should be noted that the costs for this investment are quite high and the profit must be correspondingly high. ETFs are the best alternative, as there are no administrative costs with this type of investment. Equity crowdfunding is lucrative but risky.