Retirement provision and asset planning

But how should one insure oneself privately and provide for the age? Which investment strategy is the right one and which insurances keep what they promise?

It can be ascertained, that on the part of politicians, the responsibility of old-age provision and wealth planning has largely been transferred to the citizen and concrete financial policy founded recommendations for action or strategies are not to be expected. Accordingly, a great deal of uncertainty is felt across all middle-class classes, which is further fuelled by a confusing number of financial and insurance products.

There can therefore be no uniform answer or strategy to these questions. Individual requirements and life situations should definitely be included in a sustainable provision concept. And to ensure that you are really in the best possible position, a precise analysis of your current financial situation should be carried out beforehand and all expected developments in your financial circumstances . Furthermore, it is urgently advisable to review the various provision models, in particular government-subsidised pension products, also with regard to their tax advantages and disadvantages. An increased tax burden in old age and possibly additional contributions for the statutory health insurance schemes very often significantly reduce the freely available pension share. A insurance and tax mathematical check is therefore highly recommended even before completion.

As a consequence, a independent consultation without the pressure of a financial statement and provision is highly recommended at this point, so that your interests are protected in old age. Speak to us with pleasure!