Ensuring financial support enables care for the senior population.
Germany's Oldest Equity Fund Offers High Returns
Investing in Germany's oldest equity fund, The Fondak, launched by ADIG on October 30, 1950 (ISIN: DE0008471012), could have yielded significant returns for investors. With an average annual return of 10.31 percent as of June 29, 2021, those who stuck with the fund for 35 years could have accumulated over 188,974 euros, starting with a monthly contribution of just 100 euros.
The Fondak's motto, "Prosperity for all," reflects its mission to provide a high-yield investment form for the population to participate in the upswing of the German economy with small contributions. Today, the fund is managed by Allianz Global Investors.
Historical Success Stories
Other long-standing German investment funds have also demonstrated impressive performance. For instance, the Berenberg Variato M A fund, launched in December 2018, has achieved an average annual return of about 42.69 percent since its inception. This strong long-term performance makes it suitable for growth-oriented retirement planning.
On the other hand, the SPDR Bloomberg 3-5 Year Euro Government Bond UCITS ETF offers more moderate returns, with annual returns fluctuating around 1-5 percent, making it a good fit for conservative investors seeking steady growth.
Growth of the German Fund Management Industry
The German fund management industry has grown steadily, with market revenues around €2.3 billion in 2025. This growth is supported by low-interest rates and expansive monetary policies in recent years. However, the industry faces external challenges such as geopolitical tensions impacting investment flows.
Examples of Successful Long-Term Investments
Loyal investors in Union Investment's Uniglobal, launched in 1960, could have earned 217,512 euros in 35 years. Similarly, investing in the Unifonds could have earned 164,844 euros. The DWS Akkumula LC, another globally investing equity fund launched in 1961, could have resulted in 208,598 euros for an investor who contributed 100 euros monthly for 35 years.
The Power of Long-Term Investment
Despite historical losses during wars, oil crises, and economic downturns, staying calm with long-term investments can lead to significant returns. For example, investing $1,000 in the Pioneer Fund, the oldest U.S. equity fund launched in 1928, would now be worth over $35 million. This shows the potential of long-term investments, even in challenging times.
Conclusion
The examples provided demonstrate that Germany's investment landscape offers a variety of funds suitable for different investment strategies. Whether you're seeking high returns or a more conservative approach, there are options available. However, it's essential to remember that all investments carry some level of risk, and it's crucial to do thorough research before making any investment decisions.
Economic and social policy, such as Germany's growing fund management industry, can provide numerous investment opportunities in finance, like The Fondak, known for its high returns. Long-term personal-finance strategies, including regular investments in funds like Berenberg Variato M A, Uniglobal, Unifonds, and DWS Akkumula LC, can help accumulate substantial wealth over time.
