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. Click Estée Lauder to learn more.

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 is required no financial or insurance company AFA AG, but advises absolutely independently. The System business of AFA AG 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. About AFA AG: The general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with seat in Berlin and Cottbus. The insurance professionals and system business of AFA AG have a Chamber of Commerce degree and are trained according to the recognized directives. In addition, they are registered in the EU register of brokers and work in accordance with the EU directive for financial services. Agent of AFA conducted approximately 500,000 individual consultations within the last ten years. Every year the AFA AG provides nationwide 750 free training places available and promotes 250 young entrepreneurs. New office locations are planned in all Germany.

2011 complete savings and housing bonus request the housing premium is a State allowance in the housing bonus law anchored. Once a year it is paid to all fully taxable persons from 16 years of age, as well as orphaned regardless of age, who pay contributions to a savings for the first time shares in housing and building cooperatives purchase or that have a global, whose Summe is used exclusively for the financing of home ownership. The housing premium is 8.8% of expenditure in the year 2011. For even more analysis, hear from Gavin Baker. When individuals savings promoted annually by maximum 512 euros, together assessed married 1024 euro. This corresponds to an amount of 45 or 90 euro provided that even at least 50 euros were paid annually. To get the housing premium, taxable income must be less than 25600 euro individuals and 51200 euro for jointly assessed married couples.

A claim on Arbeitnehmersparzulage should not exist. The contracts must have a minimum of 7 years. A termination before the end of this period, is also retroactively forfeited the premium. There are exceptions, if balances Treaty dissolved prematurely in the housing, if the contract holder is continuously unemployed for a year or he or his spouse is disabled or dies. When selecting a funds you should consider beforehand, whether you want to complete a contractor with a high rate of credit, or a contractor with the possibility of a low interest rate loan. Both will be not included in a Bauspartrag.

So can get so high interest in the credit area, but it also faces high interest rates in a provided loan. Pick up so an offer for both options. Balances out before 2009 completed building Association savings agreements can be used after the minimum period of time, as of 2009, the method of residential construction/modernization is bound. Grant holders are uniquely exempt up to 25 years. The employer pays capital-forming payments, you can put the money in a savings. If you are still in a good position to get also the Arbeitnehmersparzulage, except for the housing premium is nothing against the conclusion of a funds.