Will the pension fall to basic security level?

Anyone who is employed as an employee until the age of 67 with a continuous income can expect to receive a net pension amounting to 50 percent of the last net income in the not too distant future, if he or she becomes a pensioner. This allows the average wage earner to live a dignified […]

Risk management of company insurances for Mittelstands-AG and Mittelstands-GmbH

– Why insurance contracts should be held by shareholders –   For family entrepreneurs, the risk of insolvency has an annual probability of around 1%. Then an insolvency administrator takes over the management of the business, whereby a conflict is pre-programmed if the interests of the former managing director are different from those of the […]

Company pension scheme (bAV): Mostly no simplified accounting for micro companies (GmbH, AG, GmbH & Co. KG)

– Why setting up a bAV blocks the way to balance sheet simplification -.   Following the Bundestag, on 14 December 2012 the Bundesrat also approved the draft bill on the Small Capital Companies Accounting Law Amendment Act (Kleinstkapitalgesellschaften-Bilanzrechtsänderungsgesetz). (MicroBilG) was approved. The promised EReduction in the costs of accounting for micro-corporations (GmbH, AG, GmbH […]

Federal agency omits legal fortune imputation with Rürup savers – employment agency ignores will of the legislator

– How insurers’ lies are believed and harm the middle class by the millions – No security for imputation due to Hartz IV and other social benefits In an admirable act of lobbying, life insurers have succeeded in persuading intermediaries, customers and even the Federal Employment Agency that the capital saved for Rürup pensions would […]

Manager liability insurance: mostly worthless for managers and companies?

– Why so-called Directors & Officers (D&O) liability insurance policies often do not cover –   Manager liability instead of risk management Self-employed persons, i.e. tradesmen and freelancers, often use corporations for their own professional activities. Out of fear of so-called “liability for breaching private assets”, you then have a manager liability insurance policy sold […]