How to find a job as Software Developer in Germany

Re:How to find a job as Software Developer in Germany by imtringued on Thursday April 22, 2021 @05:47PM (#26908582)

Sure the market says you should put the money into stocks, but from a risk perspective this is not meaningfully different from paying off your mortgage and then borrowing money at an incredibly low interest rate for the sake of buying stocks. It's still trading on margin.

If you must do this, then don't use the money on moonshots and pick something with low volatility.

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Re:How to find a job as Software Developer in Germany by alkonaut on Friday April 23, 2021 @02:08AM (#26911455)

If course, but there is little chance to borrow money without security at 1% as the mortgage interest is and it’s currently trivial to beat. There are literally savings accounts with interest rate over my mortgage interest, meaning there is a zero risk arbitrage opportunity.

Even if you don’t invest it, if you have other credit (car, credit cards) obviously paying those first is always a better choice too.

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Re:How to find a job as Software Developer in Germany by speedplane on Friday April 23, 2021 @02:15AM (#26911488)

> There are literally savings accounts with interest rate over my mortgage interest, meaning there is a zero risk arbitrage opportunity.

Many utilities give an 8-9% interest rate on bonds, with very little risk (Comcast isn't going bankrupt soon). That said, there's no such thing as zero-risk arbitrage.

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Re:How to find a job as Software Developer in Germany by alkonaut on Friday April 23, 2021 @02:24AM (#26911538)

When the savings are state guaranteed in the savings account, the risk is basically limited by the credit rating of the nation. It’s never zero but for stable economies it’s as low as you get

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