The savings plan trick that makes you twice as rich in the long term
Nikolas Kreuz from INVIOS in conversation with finfluencer Lukas Beisswenger from “Investier oder verlier” – who, along with his partner Laura, was recently honoured at the 2026 Finfluencer Awards in the “Up-and-coming Finfluencers” category. Don’t miss this fascinating interview.
Around 80 per cent of all investment decisions are made not rationally, but on gut instinct – and that is precisely what costs us returns on the stock market. Nikolas Kreuz, founder and managing director of INVIOS GmbH, has been active in the capital markets for over 35 years, including 20 years in the management of asset management firms (among other roles, as CIO of two state banks). At the Cologne Stock Exchange Day, he explains why we invest as “Homo irrationalis”, which few cognitive biases have the greatest impact (behavioural finance / neurofinance), and reveals the month-end effect, which can help your savings plan deliver noticeably higher returns in the long term.
