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Thank you for your post!
I also had a consultation about half a year ago about a baV and was also shocked at how much was left over in the end.
The costs were also much higher than in your example.

Well, now I'm continuing to save in an ETF/portfolio as a retirement provision!
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@Peter-Plan If that's your conclusion from my post, then it made sense to someone else! 👍
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@Epi has confirmed me once again!
I already made the decision back then.
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