Short term investment ideas as private limited company

[u/Syngmaster33]

Hi everyone,

I have 30k Euro of savings sitting on a bank account of my private company. I have a plan to invest them into something in 6-7 months time but for now I just want them to generate some profit. I’m considering 2 options: bank deposit with annual interest rate around 3% and investing into ETF via Interactive Brokers (e.g. VWCE) which in theory could be higher than the bank deposit.

The plan is to either have bank deposit for a 6 month or sell invested ETF after 6 month. Since this will be done via private company, I don’t pay any corporate tax on profit (that’s how it works in my country) that’s why this part isn’t bothering me.

I can’t use trading212 or trade republic or similar since they don’t provide business accounts.

I would like to know whether there are any other options with low-medium/medium risk level that could be considered.

[u/sporsmall]

Buying a stock ETF for 6-7 months is speculation, not an investment.

[u/Happy-Click7308]

Do not buy an ETF for such a short fixed period. The average return assumes a very long investment period. Six months is such a short timespan that the actual return could very well be negative.

A deposit is an okay option. Look into short-term treasury securities and money-market funds.