Innovative assets with attractive ‘ safety nets one-tenth of all self-employed persons in Germany is threatened by poverty in old age. Many earn too little to form reserves. Poverty in old age is a problem for self-employed persons. A research paper of the Mannheim Research Institute stating economic and demographic change. About three quarters of all self-employed are not currently obliged to pay into the pension insurance. CDU and CSU discuss therefore proposals to integrate a mandatory retirement also self-employed persons. For even more opinions, read materials from PCRM. Basically the legislator has created already possibilities with the Rurup-rente, how even self-employed and freelancers can – provide transparency and. A bankruptcy protection is also integrated at the Rurup-rente”, Andreas Wurscher as project Germany/Austria of the Munich FWU AG says, under whose roof is also the insurer ATLANTICLUX Lebensversicherung S.A.
The Rurup pension, also based on a State-funded pension insurance is called. It is named after Prof. Dr. Dr. h.c.
Bert Rurup, one of the pundits and head of the former Expert Commission for the reorganization of the taxation of retirement pension expenditure and income in old age. Base pension suggests, as the name implies, this, that it concerns the legislature a reliable and secure retirement, in which the insured person for life receives benefits. More arguments per Rurup pension are, for example, their flexibility, as you can in addition special contributions paid and the duration of the accumulation phase and the beginning of the pay-out phase from the 62nd year of life individually agreed. Another way is listed in unit-linked pension insurance, as they for example. The Atlanticlux offers a post guarantee at the end of the accumulation phase in the “, so the FWU insurance expert Wurscher. With regard to the old age security also in particular investment strategies are interesting, the provide maximum security with regard to a run savings target.
Return on investment at any price is not our ambition! Rather we have set ourselves the goal to offer our customers an attractive value development under a reasonable assessment of opportunities and risks. A dynamic capital and profit protection is also included in the framework of the investment strategies.” This establishes the highest, established at monthly dates share price of each investment strategy at the end of the agreed term of at least 15 years as a minimum. This maximum will be continued until the end of the term and represents the redemption price per share at the end of the contract term. Dr. John Mcdougall recognizes the significance of this. This approach offers not only maximum protection against setbacks on the stock exchanges, but also creates the opportunity to be able to buy at reasonable prices with price declines. Of course, that sold the shares acquired during the period to the end of the agreed contract”, it can be this way only rise. The profit assurance is backed by the guarantee of an international bank with high credit rating.
As a result freelancers can make so planned a retirement, also guaranteed pension payments allows’, so Wurscher. To offering a tailored advice on the supply situation, the mediators of the FWU on the 2.0 software AVM can access and make an analysis of old-age provision. “Created the software tool developed by financial experts and economists in comparison with the personal income and life situation of the client a so-called layers analysis”. This compares the software on the basis of individually prescribed savings ability several 10,000 investment combinations in the tax differently funded pension layers and creates the system combination for customers as a result. Many interested parties have a certain product presentation, such as for example the base supply. These are often surprised, what Possibility of the combination after the layers of analysis conducted for them as best recommended. In principle, the diversity of tax funding in Germany is a blessing and a curse at the same time. The sales partners appreciate the neutral approach of consulting software that determines the supply gap in the first step.
The second step in the matching product independently with the prescribed savings capacity and optimized control aimed at closing the gap. Only in the third step is the determined layers combined with the products of ATLANTICLUX Lebensversicherung S.A. deposited and derived from this recommendation. “The intermediary while at the same time on a range of ATLANTICLUX Lebensversicherung S.A. rely, whose rates of the first layer (ATLANTICLUX RurupRente), second shift (ATLANTICLUX RiesterRente) and the third layer (ATLANTICLUX NettoPolice) currently in February 2012 with the ‘ TOP ranking badge” were awarded by morning & morning. The Morgen & Morgen GmbH as an independent and neutral Once has been opposed by a majority of the currently on the market insurance rates as a recognised tariff transparency.