Journey For Hope

The idea was actually very intelligent many owner-occupied gave their savings in building societies, these farmed it so that the construction party has also cheap construction money on the day of X. In fact the cooperative idea. Today the situation is different: as of December 31, 2008, the building societies in Germany managed 920 billion euro (for comparison: the Federal Republic from total income originates from 239,6 billion euros in 2010); 80 billion euros of which are zuteilungsreif which corresponds to an investment volume of EUR 160 billion. Thus a large part of all necessary projects in Germany could be ripped if it would used apartment economically. However, this does not. Finance for the average method of all contracts is around 25,000 euros and thus you can now even usually not even a one room apartment”. Customers with such contracts include 59 percent income group purchased for no real property due to their financial situation. Upon the completion of the use was mostly Housing premium is nothing dishonest in the foreground because”, explains Werner Ehrentraut as Managing Director of aventira GmbH in bad Tolz.

The legislature has responded and calls since the first of January 2009, that they must be run back if the contract economical apartment is used. They pay the acquisition or the construction of a real estate in question or the participation of a housing association. To facilitate the procedure, the Erfurt-based brs0725 has come up with Association for real estate owned EC (inhabitat EC) as one of our partners something special”, as Ebrahimi. The company can be saved and zuteilungsreife savings are transferred and offers a real alternative, achieved so far only credit interest rates by 1.5 to 2 percent on their capital savings on savers. After the transfer, home savings customers receive for the entire method of co-operative shares, providing an annual return of seven percent in the example of brs0725. For the still to saving share of the subscribed capital of the cooperative in the savings that would have been the proportion of loans the new Member receives the inhabitat EC now the full State funding. Corresponding promotion by the employer the former building society loan is paid therefore by employers and State and the new cooperative member gets a return of 7% on the total amount in addition”, explains the plant specialist Werner Ehrentraut.

For the owner of a savings and zuteilungsreifen funds equal to what extent so a good deal. But also for the agent or building society representatives, the Bill goes on. Because often was at the conclusion of the contract not to recognize that the personal life situation of building saver makes not possible the purchase of real estate. Here the inhabitat model provides an interesting alternative: because this sensible solution to the customer allows also the Advisor to receive a fee for the entire method. Many Building society representatives, who work together with us in fact once again achieve the same amount that the building society once confessed to them, just because they help their customers. To the complex of cooperative age interest we offer therefore special training courses, which are very well accepted”, said Ebrahim.

Retirement is away for long periods of time. Because something can quickly get caught in. Health is attached, the profession no longer exert and the savings contributions are invaluable, saving is a fine thing. You pay out more than was paid a little and get on the end of the term, is the objective. There are many opportunities of wealth building: bank savings plans, savings, life insurance, annuities, unit-linked, etc. times classic times. There are more than 90 million contracts to the pension in Germany. However, a problem is: only a part is maintained indeed to the originally agreed time of it, most of the contracts will be made early contributions or even announced.

The reasons for this behavior are manifold, one of them is the missing contribution exemption for the case of a disability (BU). Because every fourth employee must give up his profession before the regular retirement for health reasons, is This risk widespread and almost all involved suffers even retirement. If you were to have care and properly advise, have a private disability insurance – in the sufficient amount! Then, your standard of living is largely secured. This only applies to the least. The most professionals do not have still always this existential protection. The source of income dries up, because they can no longer carry out your profession for health reasons, then it is most steeply downhill. Because the available revenue are so reduced that it is just enough for everyday after the Elimination of labour income, if any.

The required contribution for a necessary retirement is only right no longer to apply. This entails dire consequences. Due to the deferred savings contributions for a pension plan, the capital is missing from retirement to maintain desired standard of living in the age.

Test results of the Rurup tariffs Stiftung Warentest the Rurup pension considered retirement and tax shelter in one. It was introduced especially for the self-employed, but also advisable workers can benefit from it. A Rurup pension test by independent shipping belly er magazines helps finding replaced the appropriate fare but definitely not a personal consultation. Rurup pension 12/2011 of the magazine were test in consumer magazines in the output total 62 classic offers and 24 unit-linked Rurup rates investigated. Stiftung Warentest could not make out a real winner in the unit-linked Rurup pensions. 5 Offers performed well with the classic variants.

So Warentest tested Stiftung as basis for the test served a 40-year-old model customer, who paid an annual fee of 6,000 in the Rurup pension over 25 years. Special attention in this Rurup pension test was on the characteristics of the product, such as the cost of insurance during the accumulation phase, the value of the guaranteed Pension factor, the provider option, as well as the transparency of the insurance offer. Test winner of the classic Rurup pension insurance companies were in this test the best sellers for the classic Rurup pension elected: collective “BA3? by Debeka collective “E-R1B” of Europe collective “RB4F” from Hanoverian tariff “BRAGT24? Reviewed by Huk24 collective “BRA” by Huk-Coburg was also in terms of flexibility. Here, it must be mentioned that the Debeka received in the Rurup pension test 2011 only the note satisfactory and the Europe of the note sufficiently with the characteristic flexibility. Read here more evaluation criteria and test results of individual insurers. Rurup pension disadvantages of strict legal regulations of the Rurup pension test could also not over it fool, having the Rurup pension with strong law to fight. For self-employed are the disadvantages of the Rurup pension on the hand: a termination is excluded, the Rurup pension will be paid out as an annuity and the borrowing and legacies are impossible. For whom is the Rurup pension? Even if at a Rurup pension test the disadvantages be made clear or not clear test winner is found, the Rurup pension for the self-employed, but also advisable workers makes sense. Who’d like to play it safe, is well advised to take an independent insurance agent at hand. On the subject of pension contributions over a period of time will be applied and should from the outset be adapted to your own needs.