Stock investment versus savings account: A comparison based on examples

Stock investment versus savings account: A comparison based on examples

Since saving is always a topic, I have dealt with it once.

In the post is a comparison if you hold a stock account versus a savings account.

The period chosen was from 01.01.2010 to 01.01.2020, i.e. 10 years.

It was then calculated how much a share had increased, or rather: by how many times it had increased.

For example, if a share was worth 100 euros on 01.01.2010, and 150 euros on 01.01.2020. Then the calculation for this post went like this: 150 divided by 100 = 1.5.

This means that the share has increased in value by a factor of one and a half.

The value of the total investment was assumed to be 10,000 euros and the amount was distributed equally among all shares.

At the end of the article, the whole thing is compared with a savings account for the same 10-year period. The interest calculator at was used to calculate this.

Stock selection

I just took the stocks of companies I know without looking at the stock performance beforehand.

Companies like Microsoft (I use Microsoft Windows, Outlook, etc.) or SAP (I used to work there), or MasterCard (I have one myself) or Boeing (I used to fly with it 😊), etc.

Here are the increases in value

Adidas (i.e. the value of Adidas has increased sevenfold over the period of 10 years)7
Coca Cola2
Burger King6.03
Average increase4.01

The average gain in value was a fourfold increase. So if you had invested 10’000 Euro on 01.01.2010, you would have had 40’100 Euro on 01.01.2020.

Comparison to savings account (India)

In India, one receives 7 percent interest per year for a fixed amount invested in the savings account.

If you enter this on I.e. 10’000 Euro for 10 years, then you come to 19’671 Euro. This corresponds to an increase of 1.96 (almost a doubling).

The equity investment would therefore have been better, at least for the period from 2010 to 2020. You could have quadrupled your investment instead of doubling it (if you had put it in a savings account).

Comparison to savings account (Germany)

In Germany you hardly get any interest on a bank account deposit, here you get about 0.01 percent. This figure is almost negligible.


It makes sense to think about investing in stocks. Especially in companies that you know will be around in 10 or 20 years, like Coca Cola or Master Card. However, I also think that you should leave the value investment the same for only 10 years. Who knows, for example, whether credit card providers such as Mastercard or Visa will still be needed in 10 years’ time.

A savings account abroad is definitely better than in Germany, where you get almost no interest.

Opinion on investing in shares for the short term

I am of the strong opinion that it makes little sense to hold stocks for only a few days, weeks, months or a few years. The fluctuations in equities during these periods are too strong for that.

Over longer periods of time, such as 10 years, there is a trend that points upwards for stable companies such as Coca Cola or Microsoft.

In addition, one should also look at the strategy of the companies. Microsoft, for example, has managed to implement the cloud strategy. With Coca Cola, on the other hand, we know that it is also consumed over the long term.

Outlook for the period from 2020 to 2030

It is safe to assume that there will be many technological changes. Especially in the automotive sector (where companies like Daimler and BMW are competing with new companies from China (keyword: electric mobility) and companies like Tesla). In the automotive sector, however, it is impossible to know exactly what will happen there.

Things like consulting (Accenture, Capgemini, etc.) and food (Coke, Pepsi, etc.) will remain popular, he said.

What are your experiences? I look forward to an exchange.


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