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Archive for the 'Unit-linked life insurance' Category

Under unit-linked life and pension nversicherungen refers to so-called endowment life insurance s. The entitlement is subject to contractual instruments. This may be the fund, but also other forms of investment.
Such insurance is often a substitute for the pension nversicherung as pension used, but now what is already controversial. Many workers have contributed their services in a capital accumulation endowment insurance.

Since the insurer undertakes no obligation to pay at a certain height, in the future so-called guarantee fund for which a minimum performance guarantees are provided.

The policyholder may have a direct influence on the investment strategy.

Would make more sense with respect to the capital accumulation benefits the company pension scheme , by the state as so-called Riester pension is funded. What many do not know is that the spouse can also benefit from this support, even if he himself is no private pension provision has.

Attention is also subtle differences:
In the Riester pension , the accumulated sum only up to 30% on pension paid nbeginn, the rest are monthly pension nzahlungen. About the Rürup pension , however, there is this part not paid, there's only the monthly pension nzahlungen.
By choosing an endowment or unit-linked insurance has paid to the option contract at the end of the accumulated sum of fully getting. Then you can decide to put this money again, or otherwise use. Here too it is often possible to the sum as a monthly pension pay leave.

Riester pension and n Rürup pension n be encouraged by government, which under certain circumstances they can certainly make it attractive. Nevertheless, if the policyholder prior to carefully consider what terms his personal goal. Fund-linked insurance can also cover a period of 10 - have 12 years. Then, the policyholder can invest the sum paid in accordance with his wishes again. In an emergency, he even has a trick up its sleeve, as he can such a policy even before the expiry of the contractual maturity. This is not necessarily advisable, but in an emergency financial help than a pension , to which one still has to wait half a lifetime.