Posts Tagged ‘finances’

Pension Insurance

Wednesday, March 25th, 2020

Later retirement and UNISEX tariffs offer from 2012 disadvantages Munich, 21.10.2011. In the course of the gradual alignment of the statutory retirement age to 67 years, also changes in government-funded retirement pension plans and private life – and Rentenversicherungstragen enter into force from the first of January of the next year. Then applies to Riester -, and Rurup pensions, which are completed, that the minimum pension date now is no longer the 60th year of the life of the insured person from 1 January 2012, but their 62nd year, thus the posts funded or tax benefit. Of earlier should want insurance on his money, he would have to refund the subsidies the Riester contract. The Rurup pension an early withdrawal is excluded”, Andreas Wurscher of Munich, FWU AG explains who is responsible for sales in Germany and Austria. Connect with other leaders such as Harold Ford Jr here.

Private life – and pension insurance contracts, in the form of Fund policies, in the future also applies the 62 years of age, the Tax breaks for the “semi-income system” to obtain. It also remains the rule that the Treaty must have been at least twelve years. Who so thinks about concluding a “Riester”, Rurup pension or a private pension insurance, should act this year, since the extension of the retirement age naturally are disadvantages”, thinks the FWU insurance expert Wurscher. FWU currently offers a wide range of various fund-based retirement pension solutions, which were awarded by the independent rating agency tomorrow & tomorrow. The implementation of the policies is done Luxembourg by the scoring to the FWU group insurance company ATLANTICLUX Lebensversicherung S.A.. And another aspect should encourage one to think: it is the requirement of the European Court of Justice on the insurance companies to calculate future regardless of gender. These so-called unisex tariffs contribute to equality between male and female insured persons, Although the consequences of this implementation among professionals are more controversial. A corresponding implementation is required no later than the end of next year and already provides tariff new calculations with the insurance company.

A one-time change of contracts relating to the retirement and unisex tariffs offered here. So far, women in pensions with lower pension payments have to settle because their life expectancy is statistically higher than that of men. For the pure risk proportion in women, so the protection of death, is cheaper. We understand of course such pursuits, on the other hand it can be seen that insurers can then best calculate risks, the more specific they are individually to assess. This is only restricted in terms of the appropriate tariff structures in the future and is expressed well in average calculations of the hedged risks gender-neutral”, says Wurscher. He believed, like other professionals that the claim of the European Court rather a disadvantage than an advantage for individual insured persons bring is likely. If not now, when then? “, says Wurscher, and keeps the time for many citizens more than appropriate, nor in this year the benefits of 2011 tariff structures of ATLANTICLUX life insurance S.A. and to take advantage of the tax framework conditions.” Especially the online issuing offered by the ATLANTICLUX makes possible not only a quick action, but the conclusion for “Late lovers”. Was in the past the time limit for applying for an insurance contract, due to the still payable processing time a few days before the deadline, is possible through the use of online underwriting the distributor directly on-site, contracts up to the Dec. 31, 2011 to complete. Customers can get so in time the benefits before the end of the year. For more information,

Cash Values

Tuesday, January 28th, 2020

What are cash values? What is property? -Germans buy gold, houses, the asset referred to land the practical value of assets (such as houses, land, gold, precious metals, commodities, minerals, shareholdings), which is independent of monetary fluctuations. Inflation is often an escape in the property, because ownership of valuables protects against the loss of purchasing power assets are much lasting and their exchange-value represents a non-influenceable size. Defy with tangible assets of the crisis monetary systems can be a very interesting investment not only because of their tax benefits. With investments in closed-end funds such as you are less dependent on stock market cycles and fluctuations, as with many similar forms of investment. Invest in substance and benefit from the success of concrete objects! Escape in the property is the name of the response of savers, which partially completely resolve their savings when sustained price increases (inflation) and the Put money in property to get a devaluation of their savings funds previously. For example an interest rate paid by banks of 2% for savings and prices in the economy rise at 7% over the same period, the savings are eaten up measured almost completely on the purchasing power of inflation. Fearing an imminent devaluation of savings not only less saving, but savers will withdraw their savings from the banks and buy such as real estate or precious metals of value.

Germans buy gold, houses, plots have more and more Germans fear of inflation and gold coins, condominiums and even trees, entire forests and meadows buy the decline of the euro, so frantically. This gold coins and bars are either sold out or to get only with long delivery times. A bank spokesman: “the rush is currently enormous!” Currently 2.46% p.a. (with our cooperation partner for construction financing of FinanzAssekuranz) the demand due to the very low interest on construction loans for increased new and also used residential real estate in part by more than 20%.

VZ Group Investment

Friday, September 21st, 2018

You develop your investment strategy the most important decision when you create money however is the right investment strategy. This depends on the performance of a securities custody account to about 80 percent. Make tactical adjustments and the choice of the title, however, each only about 10 per cent of the investment performance. You may want to visit Payoneer to increase your knowledge. Many of the over 1,000 investors, whose deposits the VZ VermogensZentrum has analyzed, not realised. Almost all the deposit check revealed high equity exposure, concentration of risk and an unfavorable risk reward.

Investors should determine what is most important to them in the assets, how much money they will need in the next few years and proportion can apply them long term. The VZ VermogensZentrum the VZ VermogensZentrum is an independent financial advisory services and asset management. Focuses on retirement and estate planning, investment and asset management for private customers aged 50 and over. The VZ is represented with offices in Munich, Dusseldorf, Frankfurt and Nuremberg. As independent House distributes the VZ no own financial products and is not an intermediary, but funded from consultancy fees and management fees. The VZ consultants are already for the eighth time in a row to the best financial advisors of the year”.

URO and the GOING PUBLIC award this magazine! Academy for Finanzberatung AG once in a year. The VZ-VermogensZentrum GmbH is a wholly owned subsidiary of the VZ holding (Switzerland) AG, the leading independent financial advisors in the Switzerland. The VZ Group advises individuals, businesses and institutions in all financial matters. founded in 1993, the FT group employs over 600 staff in more than 20 locations in the Switzerland and Germany. Mid-2012 managed the VZ client assets of approximately 7.5 billion.

Closed-end Funds Belong

Thursday, December 1st, 2016

What returns can be expected with closed-end funds real? Investing in closed-end funds is still attractive in Germany. Closed-end funds can achieve yields of up to 12 percent and therefore are all popular. However, everything on a horse should be used also here not because diversification has paid off ever. By now broad offering in closed-end funds, in particular the individual risks due to the characteristics of the funds need to be considered for a dedicated return expectation. If you higher risks for the asset (ship funds, private equity funds, etc.) can hope for success on a higher rate of return. The real estate funds are the always the most excellent form of closed-end funds. But also real estate funds differ sometimes considerably. Funded liquid tenants with long-term contracts as an office building project in a prominent location, the expected return is naturally lower than at a new industrial park in Australia whose prospects, and rental occupancy can change quickly.

Currently much of a commitment in Germany speaks again. So placed equity real estate funds was again clearly higher than in foreign real estate in the first quarter of 2010 for the first time in a long time. Since the financial crisis, many investors squinting again after security through E.g. German Office real estate with long term-bound tenants in good locations. Currently, annual returns can be achieved with such investments of about 4 to 6 percent. The subject of renewable energies is topical.

Solar and wind farms (E.g. wind power Fund) but pose a higher risk because these depend in part Government subsidies, which can change quickly. This can be achieved quite successful models between 8 and 12 percent. It’s always on the objective: a closed-end Fund as a stabilizing element in an existing portfolio should be adjusted or is a pure pension custodian to provide venture capital? As in other systems, choose type and equipment Risk and success rate!

New In The Stuttgart Extranet: Query Tool To The Fund Balances In Customer Policies

Monday, January 18th, 2016

Their extranet platform extends the Stuttgart to another sales-supporting service tool. Stuttgart, 03 August 2010 now the business partner of the Swabian insurer can see the current values of the Fund balance in the Fund policies for their customers. How developed the Fund value in the policies of my customers? And my client due to the current development of value of may require comprehensive consulting services to alternative investment opportunities? The business partner of the Stuttgart insurance now get an answer to these questions quickly and easily by mouse click. A useful display option on the extranet platform of the insurer, they can both see the performance of individual funds as well as by the respective investment strategies. Particularly beneficial here: Access is not limited to the funds of the current Stuttgart fund universe. All the funds available, the Stuttgart has ever offered in their fund policies are available in the query.

So can the free agents and brokers Stuttgart at any time request the Status quo of Fund policies development of their customers and they advise on needs comprehensive and up to date in their further investment decisions. The new tool is now available in the inventory management section”available at. Like the existing practical service functions, ranging from the communication service, the Antragsverfolgungs tool from the Download Center and the online shop until towards the end customer newsletter, the new application on the business partner platform simplifies the daily work of the mediator. The service-oriented pension insurer for free agent once more underlines to the high sales focus of Stuttgart. How to contact with press releases stock fish. The power of the word Melanie Bredlow Handrick Babu road 56 20357 Hamburg Tel.: 040 / 72 00 92 12 fax: 040 / 72 00 92 29 E-Mail: