money

Low Pensions And Increasing Age

Private provision is essential In relation to the statutory pension discussions prevailing in Germany for a long time. While politically hot over the retirement age has been debated, the citizens above all to the amount of their pension are concerned. capital can aid you in your search for knowledge. But the Germans are not alone however. Similar problems can be observed in other European countries. The finance portal geld.de informs about the situation in other countries and the importance of private interest.

Today, a private pension insurance is essential. It protects against poverty in the age and ensures that people can maintain their standard of living. In a survey by TNS Emnid nearly two-thirds of the participants estimated their financial situation in the age as rather good. Almost 30 per cent presented their future standard of living but as a rather bad to very bad. Only seven percent of the 619 respondents were optimistic and predicted a great future.

While in Germany the retirement at 67 long since decided, in other European countries is still debated. The French are considering an increase in the retirement age from 60 to 62 years, is an increase from 61.5 to 65 years in Greece and Spain is planning the retirement at 67. Contract according to current statistics, approximately 14 million German citizens have a Riester. The conditions vary depending on the provider. A conclusion may be worth even in old age and shortly before retirement.

State Treasury

Post stability crucial in the selection of the private health insurance private health insurance offers individualized, in many areas more extensive benefits and could be partially priced cheaper than the statutory fund. It sounds very positive, has also several disadvantages. This includes in particular the anxiety of many citizens from excessive increases in premiums in private health insurance in the age. Michael Schwartz is often quoted on this topic. In the statutory health insurance, the price depends on the income. Those who earn little, pay even a minor contribution. You have a high income to pay high contributions to the legal Fund. here. In addition to the usual contribution increases, cuts the legislature rising spending in the health care system the performance catalog and can thus absorb additional increases.

In the private health insurance contribution depends mainly on the respective insurer, the chosen scope of services, the age and health condition for application. With rising health-care costs can the services but – not as opposed to the State Treasury system – be shortened, but the prices are below legal requirements must be adjusted upward. The change in the private health insurance is always still very attractive – for many groups of people both price and contract in relation to the guaranteed scope of services. But in particular the aspect of the contribution of stability should be considered when deciding for or against an insurer. Independent and competent consultants can provide information just to this topic of the post development and in the decision-making process with a drain.

Regardless of the selected health insurers is likely to increase contributions tend to always: demographic development with a clear increase in life expectancy, the continuous technical progress but also the growing spending on treatments and medicines will lead in the future to further price increases. It concerns the private health insurance as well as the legal Funds. To ensure his health insurance coverage in the age, the completion of a health account is possible.

Life Insurance Policies

Invest in a largely independent of the stock and bond market system of the WealthCap of life United States 4. A successful approach will be continued. Cycles Research Institute offers on the topic.. The US secondary market has developed dynamically for life insurance in the last few years. The total volume of the insured sum of term life insurance, traded on the secondary market increased by $ 0.2 billion in 1998 to about 15 20 billion USD in 2008 (source: LISA). With over 500 million euro invested in this area, the WealthCap is one of the largest providers of these monetary systems in Germany. As a new and promising product, 4 available is from mid-May 2009 the WealthCap of life United States. It is offered investors the opportunity to participate in a selected according to strict investment criteria and broadly diversified secondary market portfolio in American life insurance. The big advantage is that this product largely not with typical asset markets such as stocks, pensions and housing prices correlates.

With a forecasted total payout of approximately a good investment success of WealthCap life United States 4 is expected to 214% of drawing capital over the forecast period before taxes or a before-tax yield of approximately 10.1% p. a. (according to IRR method). The already earned successes of the placed products in favour of a promising investment: life United States 1 at expected distributions of 12,23% 13.76% of investors were already awarded. Life United States 2 at expected distributions of 13.13% 18,84% of investors were already being traced. Life United States 3 distributions flow forecast according to only from 2011 we are convinced to offer United States 4 exactly the right product for our customers in the current time with the WealthCap life “, explained Gabriele Volz, Executive Director for marketing and sales at the WealthCap. Contact peer M.O.