I understand that the inflation does not keep up with the savings rate of a savings account.  Therefore savings accounts are bad.

Your advice not to listen to any financial adivsor is sound.  I can understand Goethe and Schiller and poetry.  But when it comes to bureauratic and legal German, it's all Greek to me.  It is hard to understand.

So I am like a child, I am like a pensioner with money to take - a fool with their money is soon parted!

I just do not wish to be a fool

"Schiller sprach zu Goethe, Steck in dem Arsch die Flöte! Goethe sagte zu Schiller, Mein Arsch ist kein Triller!"