1Sem.
I think it's good to read other views as well. I wasn't aware of the issue of passing it on to children. At the moment, you mainly hear positive things about AVD. That's why it makes sense to at least know the negative arguments.
For my part, I will move my Riester to the AVD and then put it in the cheapest ACWI, if there is one to choose from. This will save me a massive amount of money compared to my current provider.
Then I'll have a look at what ETFs are investable. My plan was to buy the riskiest product (class 5). Maybe an AI or quantum ETF. I think the 30% subsidy means I can take 30% more risk.
Besides, these are also my taxes that are being distributed. I would like to get a little bit back.
For my part, I will move my Riester to the AVD and then put it in the cheapest ACWI, if there is one to choose from. This will save me a massive amount of money compared to my current provider.
Then I'll have a look at what ETFs are investable. My plan was to buy the riskiest product (class 5). Maybe an AI or quantum ETF. I think the 30% subsidy means I can take 30% more risk.
Besides, these are also my taxes that are being distributed. I would like to get a little bit back.
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1Sem.
@marda304 You are one of the few who understood the point of the post. You have to at least know the negative sides first, but no one will tell you because there's no money to be made. After that, you can always decide for yourself whether you want to do it anyway. But acting purely on the basis of "greed eats brains" has never helped anyone.
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@marda304 In any case, it can be inherited in the number phase. Of course, the state will then want its allowances back. But the allowances will have generated a return by then, which you don't have to pay back.
I would think that it is similar in the payout phase.
I would think that it is similar in the payout phase.
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