10Mon
Interesting law. Thanks for sharing. I can't quite understand your calculation though. If I understood it correctly, you assume that the e.g. 40 euros VL from the AG are available without consideration. However, this amount is subject to tax and social security contributions, which again leads to deductions on the payroll. Are these taxes not relevant for the consideration of the personal return?
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@Nico90 Absolutely! For example, I have my VL contract with finvesto and invest in an ETF there. Per transaction 0.2% are due there and once a year 10 euros. But since everyone has a different tax rate and also every provider has a different cost structure, you can not make any blanket calculations there. Therefore, taxes and fees are not included in my calculations. But yes, of course that reduces the return!
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