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@Finanzios yes that's true and sometimes rightly so in my opinion. Two of my best friends are also self-employed at various insurance companies and there is also a lot of blah blah made and just not explained in such detail so that the customer also knows what he signed there. After all, you live off the commission. And with such a contract over the term is also not without what is also ok must also earn your hero and if terminated prematurely is the provi to some extent also futsch. But I think that the costs are not always 0.5 percent. Correct me gladly if that is not true but I mean also already what of 2.4% read and heard to have. But anyway, thanks for the article you have really a lot of effort against and it also very understandable brought across and I think that can really also be what for one or the other. Find your approach also not bad with the 2 depots but that can not afford just everyone to save 200 euros each and you would then actually 2 times the same etf once just with insurance and once without. Think that here many regulate their finances themselves. But thanks again for the detailed description
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Thanks for the detailed comment Muri :) Unfortunately, you're right - a lot of bad things happen in the industry. The reputation must also have its origin somewhere. That's why I think it's important to show that there is another way! Costs of 0.5% and less are definitely not the rule. Most contracts that I have come across are somewhere between 1.5-2%. This of course makes the product uninteresting for anyone who is even remotely familiar with investment. I simply chose the 200⏠because it is a frequent monthly premium. Some save more, some less, no question. 2x the same ETF is not now directly something bad / bad đ
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