Liquidity

Sparenab 9 J.

How quickly you can get to your money. Cash = highest liquidity. Instant-access savings = high. Fixed-term deposit = medium. Property = low. The more liquid, the more flexible you are.

Liquidity describes how quickly and without loss you can convert an asset into cash.

Liquidity ranking:

• Highest liquidity: cash, current account (available immediately)
• High liquidity: instant-access savings (1–2 days), ETFs and shares (sold the same day, money after 2 days)
• Medium liquidity: fixed-term deposits (only at the end of the term), bonds (sellable, but price fluctuations)
• Low liquidity: property (sale takes months), works of art, collections
• No liquidity: pension entitlements (can't be paid out early)

Why does it matter? Your emergency fund has to be highly liquid (instant-access savings). Long-term investments (ETFs) can be less liquid. A property is a good investment, but you can't just "quickly" take €10,000 out of your house.

Did you know? The word “liquidity” comes from the Latin “liquidus” = fluid. Money should be able to “flow” – like water.

→ Notgroschen-Rechner

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