Ben received € 1,000 from his grandparents after he had graduated from university. He wants to invest it wisely, so he chooses make a one-time investment into certificates.

Beate has earned a promotion at work and now gets €200 more every month. She does not need to spend more though and opts to invest €200 each month instead. Otherwise, she fears, the money could be eaten up by inflation.

Ben would like to invest in Austrian stocks, as he is convinced that they will see above-average growth in in the coming years.

Betty works in the tech industry and follows new technologies herself. She also wants to invest in them making good use of her expertise.

Ben prefers products with a high degree of security. This is because security is very important to him in his choice of product, even if it means fewer opportunities for returns.

Betty likes to choose products that have a high degree of return potential. That's why she invests her capital in partial protection certificates. For products with a higher chance of return, Betty is also willing to take a greater risk.