EstateGuru employee investment journey – Part 2: Matti Vansén

Hi, I’m Matti and I’m an investor.

I have been active in investing since 2006 or 2007 when I changed health insurance company with the help of my mum. The insurance person said that I should start investing in funds in order to accumulate wealth for the future. To a young student, the thought seemed far-fetched because as a 16-year-old I had better plans for the money. Somehow, I still started investing. We all know what happened in 2008, but I continued investing through the crisis every month, €50 at a time. When the crisis was over, I saw some green colour in my web bank portfolio, and I was hooked.

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EstateGuru employee investment journey – Part 1: Endrik Eller

Hi, I’m Endrik and I’m an investor.

During the last two weeks, I have lost about 35% of the value of my stock portfolio. Around 30% has also vanished from my startup investments. Legendary investor Warren Buffet said his main investment rule was: “Don’t lose capital”. According to that, I have failed heavily. Although I am a big fan of Mr Buffet, I don’t see the current situation too dramatically. 

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How we are set up to protect your investments

We at EstateGuru, like everyone else in the world right now, are closely following the extreme measures our governments are taking to protect their economies. There’s no doubt that life on the planet will change and we will do our best to ensure that it changes for the better.

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The real estate market in Germany

Germany is the world’s third-largest exporter, the Eurozone’s largest economy and currently has one of the lowest unemployment rates in the world. Unfortunately, due to tensions in international trade and structural changes in the economy, the growth pace of the economy is below 1% and this is not expected to change in the coming years. Unemployment has remained at low levels throughout the last years (3,4% in 2019). In light of the shortage of skills in the labour force and programmes to support flexible working hours, worsening conditions in the labour market are not expected. 

Even though weak world trade growth has contributed to further reduction of industrial production and a slowdown in the German economy, the expansionary monetary and fiscal policy will continue to support the growth. At the same time, the weaker external demands are supported by domestic forces. Private consumption is supported by the growth of household disposable income due to fiscal policy measures and growth in wages. Therefore, despite the slowdown in the economy, German Consumer confidence remained high throughout 2019. The construction sector has remained robust and business confidence in the sector is strong. The slowing housing investment in the second quarter of 2019 was largely temporary and mild weather conditions enabled more construction during the winter months and real estate development companies are well stocked with upcoming projects. 

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Crowdfunding platforms and anti-money laundering activities (AML)

Participating in combating money laundering and terrorist financing plays an important role in ensuring the reliability of the financial system and business environment in general. As we are operating in different European countries and entering into new markets, EstateGuru  considers contributing to the fight against money laundering as one of the priority business tasks. Application of AML measures is an unavoidable part of being a sustainable crowdfunding platform, for creating trust and serving clients from different parts of the world.

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