{"id":16291,"date":"2020-01-28T11:31:29","date_gmt":"2020-01-28T10:31:29","guid":{"rendered":"https:\/\/fiala.de\/retirement-provision-and-asset-planning\/"},"modified":"2021-11-18T13:46:32","modified_gmt":"2021-11-18T12:46:32","slug":"retirement-provision-and-asset-planning","status":"publish","type":"post","link":"https:\/\/www.fiala.de\/en\/retirement-provision-and-asset-planning\/","title":{"rendered":"Retirement provision and asset planning"},"content":{"rendered":"\t\t
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Private pension provision affects us all<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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While 20 years ago bottle collecting pensioners were a rare sight on Germany’s streets, today they are already part of the everyday street scene.<\/strong> The results of a survey of the Deutsche Bank<\/a> clearly show that already every second German citizen<\/strong>has anxiety<\/strong> about this, no longer be able to maintain the accustomed standard of living <\/strong> in old age or even slide into poverty in old age.<\/strong> Furthermore, 78% of the respondents<\/strong> also stated in this study that they did not expect to have sufficient financial resources<\/strong> available in old age . Consequently, the confidence in the statutory pension<\/strong> is currently lower than ever before.<\/p>\n

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It has been known from the media and politics for many years that the statutory pension is no longer a guarantor<\/strong> for a carefree retirement<\/strong>, which makes a private pension plan<\/strong> absolutely necessary. At the latest when the annual pension statement<\/strong> is inspected, it is obvious to the individual that, if the retirement policy development,<\/strong> private provision measures<\/strong> must be taken. For even if poverty in old age<\/strong> will certainly not affect everyone in the economic sense, no one across all sections of society<\/strong>would want to accept a reduction in quality of life<\/strong> and standard of living<\/strong> in old age.<\/p>\n

Fixed: Living in dignity <\/strong> and without<\/strong> charitable support <\/strong> is not a matter of course <\/strong> more and needs today more than ever a planned approach<\/strong> and corresponding economic <\/strong> as well as legal <\/strong>KNOW HOW. <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Independent advice and long-term pension strategy for your retirement provision<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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But how should one insure oneself privately and provide for the age?<\/strong> Which investment strategy<\/strong> is the right one and which insurances<\/strong> keep what they promise?<\/p>\n

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

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

As a consequence, a independent consultation<\/strong> without the pressure of a financial statement and provision<\/strong> is highly recommended at this point, so that your interests are protected in old age. Speak to us with pleasure!<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Investment opportunities for retirement provision and asset planning:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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