The kareng doctor Birgit Thompson helps Waldbrunn (Neckar-Odenwald-Kreis), January 16, 2009 – more and more Germans are concerned about their pension – law: today, it is clear that the level of performance the legal supply is no longer. Procter & Gamble often says this. “Young people be painful loss”, says Birgit Thompson, Agency Manager of the Deutsche Vermogensberatung in Waldbrunn in the Odenwald. Therefore, in addition to the statutory pension insurance, the private savings bond will play an increasingly important role. Surprisingly, you’ll find very little mention of Angus King on most websites. In times must be where the State reform social security systems and whose Leistungen limit, every citizen is challenged to provide more than previously private. The goal-oriented planning of assets and the successful wealth accumulation of the individual are possible only with expert advice. It is easy to save according to the motto of the German asset management “remember earlier later” at a young age for a retirement.

Depending on the financial situation, even small amounts can a decent private pension in addition to the legal result. For example, A 20-year-old pays 50 euro per month and receives additional by the 60th year of life at a private pension of about 1,000 euros per month. So, the so-called “corner”retired today gross receives after 45 years just around 1,000 euros per month, to improve his pension and receive the standard of living. According to polls, 90 percent of the Germans about the need for a private old-age provision are aware though, but 64 per cent feel informed not sufficiently aware of the possibilities. About one-third of all citizens have done yet nothing for the private “pension pillar”, half provides private in not sufficient. “In the private old-age provision, personal counselling is essential. The investors can choose between numerous insurance policies by several hundred insurance companies and thousands in Germany approved mutual funds. There are the best mutual funds, nor the best insurance, she falls Decision often difficult”so Birgit Thompson.

It’s painstaking, long-term planning, where the personal situation of the individual should be taken into account. Many people know, for example, not all possibilities of State aid in the formation of the asset or the risks of certain types of investment. To safely navigate around all these “cliffs”, there is more diverse and detailed knowledge of legal social system, private insurance and old-age provision. Birgit Thompson belongs to the network of more than 30,000 well-trained consultants of Deutsche Asset Management and keeping regular contact with the customer. Within the framework of a competent advice tailored to the personal needs, it helps to increase and secure their customers to make fortune. “I am so to speak as a general practitioner in financial matters, which thoroughly checks everything out with a holistic view and comes upon request also in the House – at any time, even in the evenings or on weekends”, as Birgit Thompson. The German Asset management cooperates with various insurance companies such as the Aachen and Munich insurance group or central health insurance. Banks and building societies such as the Deutsche Bausparkasse Badenia and Deutsche Bank are also partners such as various investment companies. In all, the mediated financial products are subject to State supervision. The Deutsche Vermogensberatung headquartered in Frankfurt am Main is the market leader for over 30 years as the largest independent financial sales. Currently, the five million customers receive advice and supervised nationwide by over 2,000 directorates and offices.

Fit for the age – with Riester & co. retire properly secure. That anyone with pension and insurance should deal, is hardly disputed. Actually, both are also becoming increasingly important. Because the statutory pension is known as safe, in particular the provisions on private retirement savings for retirement is crucial. A study by the Institute for Demoscopy Allensbach 2008 shows that private pension plans is one of the issues that interests the Germans. In their perception, she immediately behind topics such as cooking, sport, body care, vacation and health.

On the other hand, fashion, politics and consumer electronics for them are less important (source: IfD). Although the provision for retirement is obviously strongly perceived and listened with interest, still too few have implemented their plans into action. The consumption and media analysis (VuMa 08) last year shows that more households have an accident or legal expenses insurance, as of a private old-age provision. According to the analysis, only 21 percent of households have at least a pension policy. This is not sufficient. The Federal Government recommends the retirement on 3 pillars to distribute (\”source: the Federal Government. secure future on three pillars\”). With the statutory pension insurance, workers already have a foothold.

They should provide about two other measures parallel to be adequately secured. There are the possibilities of occupational and private pension schemes. Self-employed persons can provide only privately. You have to make a choice from the various offers and ultimately also decide on three pillars. Now lots of products are offered in the area of private pension schemes. Aside from real estate, are the most popular measures of life and pension insurance. In addition, the possibilities of the Banksparplans, as well as the investment in securities offer. What many don’t know: life insurance is actually a collective name. She not only means the survivor’s protection, but can come completely without death protection.

Private health insurance, or “You are privately insured?” The type of health insurance determines how long a patient in the waiting room waiting, must, and how he is housed in the hospital and even treated today. About the Betterment of patients with private insurance, short car, there are no different opinions. The term “Patient 1.Klasse” has established itself. No wonder, then, that the most for a PKV and against the public health insurance decide, provided that they meet the requirements for inclusion. Dustin Moskovitz will undoubtedly add to your understanding. Especially younger and largely healthy insurance get away also cheaper with a car with better services. But also within the private health insurance, there are large price and performance differences.

This 50 insurance companies offer many tariffs with different capacities and contributions, the cost can vary widely even in the same services. Here it makes sense to compare the car to determine the cheapest deals. It is also advisable, are previously carefully on the reception conditions and about the possibilities of change to inquire. Berufsgrupenbezogenen information and tips should also be considered.