Tag: insurance & pension

Anyone who thinks that money is earned on the stock exchange, is subject to a mistake joke absolute return funds who believes that money is earned on the stock exchange, is subject to a mistake: the stock market is only a virtual mirror image of the real economy, which in itself creates no value and can therefore also make no money. On the stock market, therefore earned no money, but only money against goods exchanged. Nevertheless, some people have more money than before at the end of the day. This is in the best case with their skill, better appreciate the value of exchanged goods as a business partner. This in turn has lost exactly same value, what the other has. ERGO: it was considering all areas achieved no value and thus also no money.

Real value added is always and exclusively about the real economy. Contrary to this understanding right dogma, assets managed institutions have tried in recent years to create new realities. The result: Absolute return. Or in other words: in each possible stock market investors can increase their wealth. A breakthrough in the asset management seemed successful.

By introducing the concepts of absolute return not only new investors could be tapped because those, which can get no losses at all and is my experience the majority who could investment management for medium and small capacity henceforth (from the point of view of the Bank), low-cost standard Fund. Stupid only that this breakthrough has already emphasized at the first stress test as a fallacy. Darcy Stacom helps readers to explore varied viewpoints. While it is possible to increase their own wealth through clever Exchange even in difficult and bad times. But still same amount of losers left. Because this is so, no one or only too few, which take a bet against the winner can be found in extreme times. But exactly this is the prerequisite for the success of the absolute return funds: the Manager must find someone who is more stupid. The more investment capital on this wave rides, the harder it is to find these losers. In times where the stock market knows only one way, this is even almost impossible. Conclusion: The most absolute return funds is moving on a hair-raising level. Some industry leaders were forced to close at all. The idea is that, thank God, dead. I know regret it for either the Manager or the investors. “The Anglo-Saxon saying there is no such thing as free lunch!” is not new. Who wants an above-average return, must be willing to take above-average risks. All the others are better served with U.S. Treasury bonds.

For many contracts, there is however the possibility of cashing out up to 30% of the savings assets as a lump sum. Because an injunction before retirement age is not possible, in terms of the maximum age restrictions for all providers. In payment, the services of the Riester must be taxed pension. What variants of the Riester is pension there? The Riester pension may be operated by certified providers (caution: certification says nothing about investment quality and yield opportunities) are offered. These can be banks, investment companies or insurance undertakings. Classic pension insurance, society – or bank savings plans as well as unit-linked pension insurance or Bauherrenmodelle be a distinction. Also, there is a possibility of home financing by means of the so-called “living Riester”-programme. Now, which of these variants but offers the best Earnings prospects for the savers can generate a maximum pension benefits from this? First of all apply: there must be at least the contributions you paid plus the granted State funding for the pension calculation available.

In addition the achieved yield. These can vary greatly depending on the type of investment: as traditional insurance products focus on policyholders and bank or building society savings plans on fixed interest income, which naturally quite low. Often a return above the inflation rate can be, here not even generated what real leads to a loss of financial strength. More premiums or equity-based investments is offered just by the very long-term investment horizon. These are composed usually from a bond-based part of the warranty and a free share of stock funds, the quite returns of 6, 7 or more percent per anno can generate.

Strong financial market fluctuations are compensated by the long investment period and flexible active fund managers over the course of time and lead to a markedly positive earnings. Is a long-lasting downward trend on the stock markets, the Fund Manager will switch to defensive strategies and change these again during recovery. To the Riester pension products itself lacks a sufficient historical period similar fund products must be considered. This shows that so far all above-average yields were obtained with investments in securities over a period of 20 or 30 years. Conclusion the paragraph strong Riester pension is a private retirement pension product with government funding and, depending on the type of investment – also high-return investment. Standard of living can be kept in retirement, is such a contract to recommend any pension-insured workers urgently. Order to maximize return on investment and advantages, the interested party should inform incoming of conditions and opportunities. He can do so at Investmentfonds24.eu on the Internet free of charge and without obligation for example. More information Riester-rente – detailed You will find information about the Riester pension Riester-pension comparisons – best offer

Sustainable youth celebration give the youth celebration or earlier youth consecration”, is a festive initiation, which is to mark the transition from the youth into adulthood. The youth celebration is a non-religious alternative to the confirmation in the Protestant churches and the confirmation of the Catholic Church. To perform free-spirited and humanist organizations and often special clubs. The youth celebration is an important step in life for many children in and with the company. Friends and relatives present gifts to the youth celebration, which sustainably to commemorate this special day. For those who want to give something sustainable and especially meaningful, the GeschenkBaum and the BaumSparVertrag of ForestFinance are the right gifts to the youth celebration.

These gifts convey how sustainable values arise and what role does the rainforest for the global climate and species preservation. How man changes in the curriculum vitae, so also a tree is changed. He is a life-long partner that grows with the years. Trees are vital for mankind: clean the air and produce oxygen to breathe. Fruits they gain through human and animal food, and the people also wood. Trees are Habitat for nearly 75 percent of all species. Today most importantly however: trees bind the greenhouse gas CO2 for decades by wood.

By the tree presents of the Bonn ForestFinance, these positive features for the donee be personally secured and visible as trees. The tree and the trees are both symbol, contribution to the climate and nature protection as well cash gift with an attractive yield. GeschenkBaum and BaumSparVertrag are also profitable and eco-friendly gift ideas. The BaumSparVertrag plants ForestFinance a tropical tree per month for 33 euros every month and maintains them for 25 years until the harvest. Then the recipient receives current rating also tax the proceeds, which is more than the 8 times the deposited amount forecast. He benefited from the ecologically-generated proceeds of BaumSparVertrages Gifted so long after the youth celebration.

Is the better alternative to day money deposit? Call money and term deposits are among the most popular investment products of the Germans for some time. It is too easy: most day money or deposit account can be opened with the opening of a current account is also equal to a free and you’re ready to go with the Save. But what is the better alternative, federal funds or deposit? Fixed-term deposits appear particularly attractive at first glance: await you with the higher interest rate and it is clear from the outset, which yield is expected at the end of the engagement. But this security has its price: often higher amounts must be applied for fixed-term deposits, at least 2,000 5,000 euros. Alone this minimum deposit will hold many small savers of them to open a fixed deposit account. In addition: during the duration of which can vary from several months up to ten years, is on the money not accessible, the account cannot be resolved only in exceptional situations with significant degradation of interest itself. The best yields can be expected for a term between one and three years. For this period should be can abandoned the created money, in order to generate an optimal return.

Day money is not quite as high interest such as fixed-term deposits. The reason is that the deposits are available daily, and the Bank can therefore not so sure farming with customer deposits as it is the case for fixed-term deposits. This day money offers a high degree of flexibility. The downside: day money rates are usually only for a certain period of time, often six months. They are based on the usual market rates, then be adjusted accordingly. What sounds tempting in times of rising interest rates hurts even more in times of falling interest rates. Conclusion: Whether money is a better alternative depends on whether one can waive a certain amount of money for a certain period of time. Sebastian post.

Private medical treatment applies to the area of private health insurance since treatment coming from the field of private health insurance. Private supplementary insurance, we encounter this term. This special type of treatment was then divided into various classes. Today, one defines the private medical treatment by single or twin room or a chief physician treatment. Benefits of private medical treatment free choice of doctor free hospital choice single room, twin room examination and treatment by specialists or Chief legally insured and the possibilities of private medical treatment by the statutory health insurance (GKV) are only the medically necessary services to expect. Single or twin room or treatment by the Chief Medical Officer is usually not paid by the statutory health insurance. To cover the private medical treatment, required the legally insured private supplementary insurance or must pay for treatment out of pocket. Legally insured, the earn about the year working charge limit (JAE), can insure themselves in the private health insurance.

The prerequisite for this is that the earned insured for one year over the JAE. The solution for the good earner is a health insurance Exchange. A legally insured can apply for private medical services supplementary health insurance and their services with a private supplementary health insurance. Before an additional insurance makes a so-called latency must be met. Denture services, the wait time is usually 9 months before a service can be claimed. Also areas such as only dentures or twin room, and chief physician treatment can be completed separately. The insured person can freely make insurance coverage according to his financial circumstances. Improvements of the financial situation, more services can be integrated into the Treaty.

And that’s only because Mr. and Mrs. Schmidt must pay no rent more. The question now is: with whom would you rather Exchange? The answer is likely not hard fall. Here the question arises, why it the Germans so hard is to make the decision for their own real estate. Why dare the Germans not in the residential property? Here to discuss the reasons in detail would lead too far. Mainly probably the fear of taking on debt or the question of changing place of residence, such as a job change, are likely to be responsible for the fact that many people do not take the step in your own four walls.

And even though these fears are understandable, they are discredited relatively easy: fear of debt: before man 45 years (and beyond!) Every month paid money, from which one never sees something, to may why not rather the same money in an own real estate invest instead live in an apartment? “Debt” is a misleading word, because the tenant must pay the rates, which paid for the Koufer of a property to pay off the debts, only that it then just rent “means. And you pay in the case of the lessor, instead of its own. At one Moving remains still the possibility either to rent the apartment and to use the cost of rental income for the apartment at the new place of residence. Or you sold the apartment again. That is certainly the less optimal solution to the emergency but also no big deal. The figures speak for themselves the following account in addition metaphor, why is worth the purchase of residential property. Let us again our two couples from the above example: Mr.

and Mrs. Maier have since age so far 45 years pays rent their 20. Suppose that they would have to pay monthly rent equivalent of 300 euros at the beginning and we assume the rent would have increased annually by an average 3 percent, it turns out that Mr.