2Semana·

ETF basic pension with BUZ

Hello everyone,

I am about to replace my current occupational disability insurance with a basic pension with occupational disability cover.

I currently pay €77 per month for my occupational disability insurance. If I don't become disabled, my paid-in capital will be forfeited. In the event of disability, I would receive a monthly pension of around €1,900 with my current insurance.

I have now been offered a basic pension from Alte Leipziger, which I can also claim for tax purposes. This is not possible with my current contract. With my gross annual salary, this results in tax savings of around 45.4% and a subsidy rate.

The monthly costs for the basic pension would amount to around €115 after tax, without tax deductions it would be around €209 per month.

The cover amounts to € 2,500 per month (the higher amount is due to social insurance), which also corresponds to around € 1,900 in the event of occupational disability. A performance of 6% is required.

I can choose the ETF myself.

My question is: would you choose an ACC or DIST ETF?

You can choose, for example, the $VWRL (-0,36%)
$WEBN (-0,53%)
$VHYG (-0,49%)

A 70/30 portfolio from iShares would also be an option.

My insurance advisor has already made a suggestion:

40% $IWDA (-0,48%)

20% $EIMI (-0,29%)

7,5% $CBUX (-0,56%)

15% $MEUD (-0,19%)

7,5% $XAIX (-0,66%)

10% $SRS22H

I would like to hear your opinion on this.

15 Comentários

Uwe@SchlaubiSchlumpf

2Semana

It's a bit like what consultants like to do. Put your head over the keyboard and see what comes out. -okay, a bit exaggerated. Looks more or less reasonable. Personally, I would stay away from infrastructure ETFs and AI ETFs. Sector ETFs have short legs and often only emerge when the bull run on the sector is over.
EU is weighted higher than the market here. If that's what you want, there's nothing wrong with it.

70%/30 would mean 70% $IWDA 30% $EIMI?
Then I would take 70/30 or the $WEBN.
Possibly even the $VWRL, as the Prime is cheaper but I don't know the tracking error. After a brief AI search, the vwrl seems to have a very low tracking error. The AI can't find any figures for the Prime, but according to the provider it should be less than 1%. So much shot out of my pocket...

What about the costs in your contract? Have you compared them with the existing contract? (Duration of the contract, abstract reference, etc.) It might be cheaper to leave the old BU and set up a new pension plan. Look at how the costs are divided up. I suspect that one part will be used for the BU and one part for the basic pension. I'm also not sure whether the full price of the combined product is deductible.

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Chandra@Chandra

2Semana

What happens to the distributions during the accumulation phase? (i.e. with a distributing ETF)

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