I just skimmed your post and my comment is not directed at you personally. My opinion on annuities through a broker is this: Hands off!!! The fees eat up the entire performance! Who does not dare to invest in individual stocks should at least privately invest directly in ETF's or funds. Never over banks/brokers! From my own experience, I had a fund through a broker concluded because I canceled after 4 years with negative performance. I think I was the only one with negative performance in these 4 years, the market has thrown off in exactly these years 30% return! Where has the performance gone? Answer: The broker and the fund have been happy!đ
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Hi Dennis, I have included the cost of insurance directly in the examples given. The values are AFTER DEDUCTION of the costs. Therefore: please read properly first, then such statements :)
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@Dr27589 as said! It is generally held! Please read correctly! Without broker better performance! How else does the broker earn his money?! Okay, from the fund company there is also provi, but not onlyđ
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âą@GordonGekko83 Try to complete one on your own :) Of course I make money on the advice, you get something for your work, don't you? I don't get any money for the MSCI World. I don't broker anything with front-end loads. Fee-based advisors do not have access to all products (often no net policy available) and get the money right at the beginning. This also eliminates the lapse liability ;)
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@Danger that is also my experience, have sold in young years a year part-time insurance en. It was never sold what the customer needs, but what brings the most commission.
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âąBelieve with "@GefĂ€hrdung" the autocorrect has made you a line through the bill :D I correct times: @GordonGekko83 - now he should be able to read your answer. Right, the problem is known, black sheep are everywhere. But it should not be the rule. I'm not trying to start a survey about the industry, but I'm trying to show that the product (if designed correctly) can have a significant benefit. Therefore, I also find it a pity if the contribution is only "skimmed" and then an opinion is written underneath. If one comments on something, I would find it good if the article is also read carefully.
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âą@Dr27589 yes, I would like that too. đ€
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@GordonGekko83 So I have also dealt with this topic before. I wanted to find a state-subsidized model with medium risk, preferably for the long term or shortly before the expected start of the pension, i.e. from 65. đ
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@Xzor The private pension is "state-subsidized" only through tax benefits in the payout phase. In the payment phase, there are. eg the RĂŒrup - but worthwhile primarily for employees with high income / special payments & self-employed. Make sometime a contribution to it... but is very complex and I need time :)
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@Xzor No, for a long time I was just a silent reader. And the private pension insurance was my first contribution. I noticed that there is interest in it, so I'm continuing with it đ€·ââïž I'm a self-employed insurance broker and try to explain one or the other product a little better to people. You can only write to me privately on Instagram (same name). There I have also looked at the contracts of some others.
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