The branches of Taunussparkasse and Nassauischer Sparkasse are grouped in the pedestrian zone around the Kurhaus in Bad Homburg. Deka Investments funds are ubiquitous, there are LBS building society savings plans, and precious metals are also sold. Anyone who has worked their way forward with overnight money here as a customer must fear negative interest rates. That is why many are now ready to choose alternatives. Mixed funds, bond and real estate funds – there is a wide range of options for generating a small return with a relatively manageable risk. But many of the alleged patent solutions that are being made palatable to investors have hooks and eyes.