Horizon Business Coaching

Federal Labour Minister

Is retirement not error equal pension – how to avoid I? The issue of pensions is currently on everyone’s lips, because who earns less than 2,500 euros, danger of the poverty in old age. This is at least the result of a study which has been Ursula von der Leyen in order. The Federal Labour Minister so advises every citizen to a private pension. So far so good. But the uncertainty on the issue of retirement is great. Finally, another study of the Finanzwissenschaftlers has Andreas Oehler on behalf of Bundnis 90 / Die Grunen “-parliamentary group recently revealed: 50 billion euro lose investors every year in Germany alone, because they were given wrong advice or you sold them inappropriate products for old-age provision.” So the question remains: which are the right products for a private old-age provision, and can I trust really on this issue? Franz j.

Herrmann from the Federal Government, which recommends e.V. for the retirement savers international conservative equity funds in the case of a fund policy. Thus Bestatigt.der independent expert the concept to the retirement of the AFA AG. The financial services provider headquartered in Cottbus and Berlin has been established for 20 years successfully on the market and advises interested parties free of charge and without obligation to the subject of private old-age provision. Who want to provide private should think long term.

When the pensions it comes not to make quick profits. The AFA AG therefore from the outset abandon risky Fund investments such as, for example, ship funds and closed-end real estate funds, we always carefully check our offer for long-term yield, reliability and stability. Not without reason the financial magazine has focus money our AFA top-value rates to pension the predicate best pension awarded. It played a significant role”also cost transparency, explains Stefan Granel, the AFA Board in Berlin. The AFA AG’s customers will also benefit from the independence of the company. In contrast to other financial advice, the AFA AG is any financial or Insurance group commits, but advises absolutely independently. The AFA AG system operators can access just like brokers in the market as a whole and accurately filter out the right product for each customer. But even the best product is often not good enough for us, that’s why we develop with the leading companies of special solutions. Many of our insurance and pension solutions transmitted exclusively via the system business of AFA AG. As wholesalers of different companies we are improving the conditions, lowering the price “, so Stefan Granel next. Bottom line: Who really wants to provide, should not simply trust his bank Advisor, but necessarily independent advice and abandon risky assets that promise a quick buck. International conservative equity funds in the case of a fund policy are the right solution to the long-term asset accumulation. Press contact: AFA AG Lama Walshe road 7 03046 Cottbus Tel.: 381090 E-Mail:

Deposit Vs. Day Money

Comparison of fixed-term deposits in contrast to the day money the ECB has recently lowered interest rates to historic 1.50%. This has both advantages and disadvantages. The advantage is being clear in the credit. Cheaper interest rates offered by the ECB and therefore banks very cheap are available for rent, they can convey very cheap also loans to customers. The disadvantage of an interest rate cut by the ECB is clearly in the area of investments, such as fixed-term deposits and overnight. Here, Jeff Gennette expresses very clear opinions on the subject. While still at the end of the year, over 5% for day – and fixed-term deposits were possible, it looks now bleak, yet to achieve just that is half. If you now stand before deciding, for what type of investment you choose, it must of course consider.

The day money is very flexible compared to the fixed deposit and it comes up on his deposit at any time. But clearly, the disadvantage is in the variable interest rate, which changes overnight. When deposit this cannot happen, since the interest rate for opening an account for a certain period of time is fixed and does not change over this period. But again, disadvantage of the fixed deposit is its flexibility. You decided for a deposit on a certain period of time, one not approaching this deposit, at least without loss of interest. In both cases, but similar returns are achieving.

Therefore you should worry whether you do without money, which is applied over a period of time. Given that the interest rates for investments will be expected and certainly the deposit can certainly score. If you now completes a time deposit account for 4% over 12 or 24 months, you can also be sure, that one obtains the return for the period. Not get it only over the period of the investment. Closing today as a day money account from 4%, it can happen that interest rates be lowered next week and the yield of pfutsch is. So a direct comparison: fixed-term deposits: interest rate security good and predictable / flexibility very restricted day money: interest rate security not available / 100% flexibility

Business Village

In addition, many tips on contacting and dealing with the lenders are given. The reader learns: what alternatives to the classic Bank loan there are, what alternatives for him are no.1, how through clever financing to improve also its rating, how these financing instruments in practice can be implemented, how to make contact with alternative lenders, as in difficult negotiation situations should act. Sonja Riehm, Ashok Riehm bank credit goodbye! The best financing alternatives for new ways of raising capital 1st Edition BusinessVillage 2009 207 pages, ill. Illustrations ISBN 978-3938358-52-8; 24.80 Euro eb-700_Bankkredit-adieu!-the best Finanzierungsalternativen.html cover 300 DPI resolution: press-700 on the authors of Sonja Riehm has studied business administration the universities of Bielefeld and Cologne football worked years in auditing and tax consulting firms as a tax advisor. She is the founder of RIEHM tax consultancy Office in Berlin and author of numerous articles, in particular to the counselling of caregivers. Ashok Riehm has arrived according to various management positions in middle management in the advice. He is responsible for the field of management consulting and conflict resolution, economic mediator & consultant in the RIEHM tax consultancy Office.

Its activity focuses on start-ups, coaching, business valuation and business succession financing. In his publications, he prefers moving in the area of practice-oriented presentation of tax and business issues. About BusinessVillage BusinessVillage, books make the fun. Concise and practice-oriented the reader without much effort can familiarize yourself quickly in new areas. Marketing & sales of Public Relations & corporate communications up to the range of topics Employees, managers, and Freelancer updates know-how of renowned experts will find success & career. Might you be interested in articles or interviews with our authors press inquiries? We like to make a contact. Also meeting copies, product images and text excerpts are to be provided on request.

Professor Heinrich Bockholt Pension

MWB Vermogensverwaltung AG refers to the disadvantages of the Riester pension Appenzell, in May 2009: no gap threatens after retirement, the experienced financial service providers recommend the MWB Vermogensverwaltung AG an private provisions for old age. “MWB Vermogensverwaltung AG points relating to certain disadvantages the Riester pension: who riestert”, according to financial experts between 91 and 98 years old to be have an advantage over the single capital payment according to MWB take asset management AG investors at the renowned financial centre Switzerland alternatives to the Riester pension. The private retirement provision is becoming increasingly important for workers. So, the statutory pension constitutes just 70 percent of the last net income even after a theoretical working life of 45 years. It lies in people with a shorter working life with 50 to 65 percent far below the difference between the last net income and the pension financial experts consider gap.

This supply gap to close, the legislator has developed the State-sponsored Riester-rente. However, these supplementary pension also has disadvantages: experts such as Koblenz finance Professor Heinrich Bockholt criticize around that the Riester pension only such insured persons who reach a very old age, getting paid what they accumulate including public subsidies. According to calculations by Ballard, a woman between 92 and 98 years would have to be old, so she has an advantage over the single capital payment with the Riester pension in men this border is located at 91 years of age. “Alternatives to the Riester pension there are according to the MWB Vermogensverwaltung AG at the renowned Swiss financial centre: MWB Vermogensverwaltung AG, Appenzell has been especially on the area secure retirement” specialized and can the special benefits Swiss financial products and German investors, particularly in the field of life insurance. So investors who complete met Vermogensverwaltung AG, for example, capital life insurance protect your credit balance with the special privilege of bankruptcy. This privilege protects balances, which serves exclusively private old-age provision, with a possible bankruptcy before the foreclosure.

In collaboration with established fund companies such as fidelity, financial experts of met Vermogensverwaltung AG for their customers create an individually appropriate investment strategy for the optimal private old-age provision. About MWB Vermogensverwaltung AG, MWB Vermogensverwaltung AG is a traditional hotel from the Switzerland with almost three decades of experience. Their continuous and steady commitment new demonstrating the MWB Vermogensverwaltung AG with any project. The financial experts of met Vermogensverwaltung AG ensures the sustainable fulfilment of the objectives of their clients. The MWB Vermogensverwaltung AG located in Appenzell. Together with its customers, MWB Vermogensverwaltung AG develops solutions for asset accumulation, the capital protection and prevention. The financial experts of met Vermogensverwaltung AG training constantly. So benefit the customers of met Vermogensverwaltung AG always by a service up to date.

Private Oldage Provision

An insurance comparison to the private pension insurance is useful and not just a good overview, but also optimal retirement from AV to determine is the private old-age provision AV than ever before. Given the numerous past and still coming with security zero rounds for pensioners, private provision is impossible to imagine, you want to be reasonably financially secure in the evening of his life. Who relies today on the State pension, is grossly negligent, and fails to recognize the signs of the times. This has itself the State recognized, and with the Government-sponsored Riester pension created an instrument for private pension plans, to give citizens an incentive to securing stand-alone, the old-age pension. The so-called Rurup pension is the Riester pension for self-employed persons who achieve not income liable for social security.

There are tailored to variants of private old-age provision, State-promoted on every profession and every phase of life. As the name implies, it is a private Old-age provision. The number of providers of such products is correspondingly high naturally. Consequently, countless options and fare options will be for those interested. But which insurance company provides the best insurance tailored to the personal situation with which rates each AV retirement? A usually opaque fee structure and deposits make it the policyholder is hard to keep track. Here helps an online insurance comparison for private retirement savings. An online insurance comparison, as this is offered in the Internet, serves the comparison E.g.

the insurance for the Riester pension, Rurup pension and General comparison of the private pension plans (AV). This technical all tariffs and products of many insurance companies an insurance comparison in terms of price and performance subjected. The personal data serve as a guide for an individual and personal recommendation. An online insurance comparison private pension () Riester-Rente, Rurup pension, pension, life assurance) is free and independent providers. Also, it provided important information to bring the various pension savings the interested. As with any long-term savings variant, the early start is crucial. Because the interest increases disproportionately with the years. To pave the way for an optimal retirement should a pension be usefully carried out online comparison and carefully selected.

GmbH Exclusive

MEDIUS exclusive GmbH offers individual concepts for the secure retirement Munich June 2010: fewer and fewer people are in Germany to the middle class, as the result of a recent survey of the German Institute for economic research (DIW). Because the risk of poverty in old age is growing with falling incomes, private provision is today more necessary than ever. The experts of MEDIUS exclusive GmbH possess the necessary experience and develop individual concepts for customers to secure pensions. Only 60 percent of the people in Germany include according to DIW study to the middle class. This is by the monthly net income of a single household between 860 euro and defined in the year 2000 this figure was 1,844 euro over 66 per cent. At the same time, the number of people with low income under 860 euro 18 per cent rose to now 22 percent. The experts of MEDIUS exclusive GmbH know from experience that such a development causes a big problem: the old-age poverty.

Sufferers have a low statutory pension without additional income. So workers have sufficient income after retirement and supply gaps, the MEDIUS exclusive GmbH recommends an additional private pension provision. To do this, the specialists of the MEDIUS exclusive GmbH on the basis of individual needs of its customers create strategies for successful wealth accumulation. For example, the flexible life stage concept of MEDIUS is suitable also for workers with little income: already for 50 euro a month or a one time investment from 2.350 Euro investors can participate in up to 24 high-quality, International Fund. Advantage: Because funds the life stage concept about an insurer will buy, investors will be credited the total dividends and capital gains from selected mutual funds, without to pay an annual tax. Furthermore, it is possible to refer to capital which will be used only to the half of the taxation flexible from the age of 60.

For optimal prevention, MEDIUS also advises the company pension plan to use effectively. This is a supplementary pensions protected from public access, which must be agreed with the employer. This converts then tax-free a certain part of the gross income into a pension plan. What implementation paths are individually appropriate, of MEDIUS expert explains his customers in a personal conversation. The MEDIUS exclusive GmbH knows from experience that the right investment strategy is crucial in the segment of the company pension plan. MEDIUS exclusive company facts and figures is MEDIUS exclusive company for more than 20 years successfully as an intermediary of financial services working and sees itself as a forum in terms of financial advice and mediation. The competent and experienced financial experts of MEDIUS exclusive GmbH provide mutual funds, investments, financing, insurance and real estate. The MEDIUS exclusive GmbH headquarters is Munich. MEDIUS is nationwide in cities such as Munich, Stuttgart, Essen, Dusseldorf, Hamburg, Nuremberg and at many other locations.