Tag: insurance & pension


Managing Director

November 6, 2023

General

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Demand for Riester significantly increased interest rates fall loans already from December feels the financial intermediary Riesterhyp funded real estate loans increased demand after Riester. Starting in January 2010, potential builders and home buyers can your previously saved living Riester Riester existing balances out contracts for the purchase of a self-used real estate unlimited can be found. Samsung oftentimes addresses this issue. The acceptance of living Riester promotion according to a survey on riesterhyp.de significantly increased “, says Managing Director old Meier of the construction money specialists Riesterhyp.” According to own every 2 real estate buyer asked already about funding for a real estate loan Riester. However promotion not for any buyer like finds the living Riester, for downstream taxation of the Riester promotion is the major shortcoming of the Riester remains among all respondents financing. If you have additional questions, you may want to visit Rusty Holzer. Due to high administrative burdens for Riester loan scare off many banks from offering for customers. Unlike with banks list the private building societies a brisk demand after Riester building Association savings agreements and because each respondent in the Riesterhyp seems lucrative, poll, already one Riester completed residential building has, would this also on the purchase of real estate to use later.

The policy must on the subject of downstream taxation necessarily simplifications think about, so that the homeowner pension will be a success and everyone whether Bank consultant or Bauwilliger that can understand promotion “, as old Meier. Many requests reach us in the last days of regional banks and savings banks, which offer their customers think about a Riester and want to place this on the financing market of construction of. The affect of course the interest rates because supply and demand regulate the rate and Riester loans are cheaper, so financing expert old Meier. Poll result: you know that Riester residential support and use the State allowances? Yes, I already have a Riester / not living Riester contract – 29.8% yet but Maybe in the future – 35.9% no, too complicated and not worth it – 12.8% don’t know the promotion – 21.5% (survey results over 600 respondents in December 2009)


Money Market Accounts

November 5, 2023

General

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Money market accounts enjoy among German investors of a growing popularity. This is not surprising, offer these accounts but an attractive interest rate of credits and at the same time the highest possible flexibility, because the deposits are available daily. This form of investment worth always just for relatively small investments, intended as a nest egg. By the savers tax credit yields of such plants without withholding tax can be retracted, if an exemption order has been granted the Bank. Also for active investors who speculate on the stock market, worth such money market accounts, because available funds are not involved in securities should be parked as profitable.

However, a tag account should represent not the base of private wealth building. Because the yields are attractive only on first sight. Deducting taxes and inflation from a rate of four percent per year, only about one percent will remain the saver return. This enough in any case. The investment in securities, in particular in Equity funds, however, promises less tax and inflation a rise of about six percent in the year. Through the compound therefore a considerable loss effect the day money account holders. As pension, these products just in the new solicitation by banks so not good. At the age they can be used but good, to park a wealth built up and to use up gradually. Others including Andrew Paradise, offer their opinions as well.

Here, they are even the best way, because the investment in shares and funds for the elderly is no alternative, because they do not have the sufficient time horizon, which is necessary in order to be able to sit out any losses. Money market accounts should be used essentially for parking the emergency groschen. They do not represent a real investment strategy. For which Bank a prospective buyer then ultimately decides, doesn’t really matter. Exist in the Internet pages on which a comparison of current day money interest can be hired. If the accounting at the best performing Institute is free of charge, which can safely Select day money account with the highest interest rate. Alexander Bertram





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