Thursday, May 13, 2010

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Teuro and pensions - what does money


€ The crisis has long-term negative effects on many pension savers.
Free agents must act now
The dramatic battle for the European Monetary Union and the euro has long term consequences for
retirement in Germany. A rising price level leads to the devaluation of assets and increases the vulnerability of many German pension. The European Central Bank (ECB) has
the last taboo broken and will buy up in an emergency € junk bonds of distressed countries. The instrument bankers call "nuclear option" and means nothing more than to fire up the printing presses. Even the 750-billion-euro aid package of EU and the International
Monetary Fund, the highly indebted countries such as Greece, Portugal and Spain to protect against a national bankruptcy, a serious risk to the long-term price stability dar. the view of many economists to be the loss-free states just across the path of inflation from its huge debts. Meanwhile, inflation rates between five and ten percent are forecast. Intermediaries should not play with the fears of their pension clients but it is your duty to point out the consequences of the economic, financial and € crisis. As in the surf rock has so far proven to the insurance industry. The low interest rate environment makes it difficult for life insurers although increasingly attractive net interest Ingen their investments at the end erwirtschaften.Doch achieve returns of four to five percent the pension classic compared to other investments
more than respectable results. And in the face of rising inflation rates will inevitably rise, the capital market return again. Despite the security needs of many intermediaries, investors should not miss the opportunities to point of unit-linked policies. Because shares are ultimately an investment in property values and long-term offer the highest return on equity.
FOCUS-MONEY-insurance professional

My supplements-even if unit-linked policies, then policies with a real contribution values. For investments in highly indebted corporations, the same negative effects lead to. Loans are well known money. We recommend, for example real value policies. The conclusion is based on the consulting fee and thus is a secured her superior investment rate.

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focus of consumer protection as we know him for years Nepper tractor .....

> procontra> consultants who live in glass house ...
who sit in glass houses ...
Category: Consultant by: Matthias Hundt
procontra tested together with the AFW Association financial services e. V.
the quality of consumer advice centers on the telephone. Astonishing result: The otherwise required by
like free financial service quality standards were not achieved
. A consultant was moving on the edge of a crime.
Finanzhai Ever since the video, the fronts between the commission and the consultants
hardened consumer centers. The Consumer Baden-Württemberg, in the
on its website and on YouTube to find the video clip of the Distributorship flat rate the interest on your own
Customer denied and accused them pure act of fee levels. In order to avoid such conflicts of interest that do not pass an independent (fee) advice. Thus the consumer centers also strongly campaigned for their own fee-based advisory services. This is available among others with questions about retirement and insurance. procontra AfW and it took some claim to be able to determine what added value does the phone advice to the consumer centers. Served as a model client, the profile of a student who expects soon
€ 10,000 from a maturing life insurance. The corresponding insurance industry had already contacted him several times, um die weitere Verwendung des Betrags zu besprechen. Vor einem solchen Termin wolle er jedoch unabhängigen Rat einholen, so die Legende. Mit der Frage, wie das Geld nun am sinnvollsten verwendet werden sollte, wandten wir uns an die einzelnen Verbraucherzentralen der Bundesländer. Die Beratung. In Nordrhein-Westfalen meldete sich ein Herr Schneider (Name durch die Redaktion geändert). Konfrontiert mit unserem Anliegen, wies er zunächst darauf hin, dass es verschiedene Produkte je nach persönlichem Bedarf gebe. Klar, und jeder freie Finanzdienstleister würde aus diesem Grund zunächst den persönlichen Hintergrund des Kunden ausleuchten. Doch Fragen bezüglich unseres Alters oder möglicher Pläne blieben ungestellt. Damit verstieß the consultant directly opposite the house checklist of NRW consumer. This overview provides information on the web, among other things about what makes a reputable consultant. In point 3 it says: The consultant considers the overall financial situation. That did not NRW consultant. Instead, Schneider delivered after two minutes of talk time with a savings account a solution to our problem
. According to point 2 and 5 of the NRW Checklist reputable consultants are primarily aims and any items in the foreground. The recommendation of a product should only be based on the goals and desires. Both were also in the further course of not requested. Then we explained Schneider, what would be expected in a meeting with the insurance company: "The company will try to sell you an insurance policy again. So that they earn the most money and the customer, conversely least. "This allegation was very reminiscent of the sweeping
Finanzhai videos. Schneider added: "An insurance company will be made as palatable as that you almost can not say no. Formed for the sale and offer that with which they earn the most money. "The bottom line remains for products with such cost structures, a yield of 0 percent. Norman Wirth, law and lawyer specializing in insurance law while AfW Board, said: "The reminded even in direct consultation to the unspeakable polemical Finanzhai video and shows the actual Unqualified the alleged consultant. Such argumentative
platitude can only crafty one language. That the life insurance, including a substantial part of corporate and private pension provision remained totally unmentioned. "
The possible offense. We gave Schneider, an indication that somewhere there are still a stock portfolio, and raised the question whether shares would not be a more attractive alternative. "This is then connected with risk," it said at first. Of which this is dependent, remained unclear. Much more Schneider swung again the cost of the thighs. ". The company, the management of shares in a fund can pay as much as is left for you as a customer almost nothing" The mention of the costs may still have been appropriate, but with the following statement could Schneider have committed a crime:
"The best and cheapest option would be for you to imitate the company and themselves to buy a few defaults. Then you would have your own funds, "the clear recommendation was to buy individual stocks. Reminder: If our risk-taking would be suitable for this, whether we know in principle on how stocks (funds) system works and what the advantages and disadvantages of this wave, stopped before completely outside. "In our opinion, the rules of the MiFID
(FRUG) on consulting activities of consumer organizations of the countries apply. This is the case when the counseling activities requiring a license as investment advice under section 1, paragraph 1 a set of 2 No. 1a Banking Act (the Banking Act) and article 2, paragraph 3, No. 9 WpHG (Securities Trading Act) were to be considered. We consider as an association for the given. In particular, since the advice is free of charge and can be assumed that a
is cross-subsidization of other sectors of the consumer centers, is of a commercial and therefore subject to authorization likely activity, "said Wirth.

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Physical gold in the private safe in comparison to The Community of physical gold investment (fund principle)

first The Good Delivery status and counterfeiting problem
second More expensive to purchase third
High taxation inevitable
4th Value of hedging against currency fluctuations

The Good Delivery status and counterfeiting problem

In Hong Kong and Singapore have emerged in banks already
fake gold bars. It is believed that such forgeries were also discovered in Europe
, but this is a temporary hold on the cover!
How can you fake?
The metal tungsten has the same density as gold and is therefore cheap imitations
Golbarren verwendet.Es is thus the Possibility that
someone at a bank buys a good gold bullion, in these private exchanges
safe with a false parallel bars and the bank sold the fake
bars again.
consequence
it must be taken that banks take back no more bars, the
come from a private safe, but still accept bars at
where tight control is proved by a bank.
Otherwise (bars from private safety deposit box) available for sale must first be melted ingots
. This is very expensive for small orders and
takes a long time.

is more expensive to purchase

The private buyer when purchasing a small gold ingot a price disadvantage
(surcharge) of about 7% and the sale again at a disadvantage
(discount) of about 7% compared with a purchase and sale by the
SafePort 95 + Physical Gold Fund.
The SafePort Physical Gold Fund is invested in 95 + billets to 1 ounce of fine gold with
99.99% purity. These have a very liquid market and significantly smaller margins than
collector coins like Maple Leaf, Kruger
edge, Philharmonic, etc..

High taxation is inevitable
already spoken in the relevant bodies of the introduction of a special luxury tax
on gold.
How can such a future tax escape in a legal manner?
A mutual fund is tax free in Liechtenstein and an investor is subject to normal taxation
, which is payable on the sale of fund shares at maturity or
or reversal of a policy. Physical gold in the form of a
Fonda part or even better as part of a unit-linked policies in the future
thus offers significant tax advantages over regular
direct ownership of physical gold.

value of hedging against currency fluctuations

The gold price has very hectic movement of prices. As an institutional investor
can secure the safe port Physical Gold Fund, on the 95 + large and small
price declines. The goal besteht darin, dass man in einer Absicherungsperiode
mit minimalen Kosten preislich neutralisiert ist, also keinen Verlust riskiert.   Das physische Gold wird vom Fonds nicht veräussert und profitiert von jeder Aufwärtsbewegung. Bei einem Preisrückgang
kann der Fonds aber einen Absicherungsgewinn realisieren und mit diesem Gewinn wieder zusätzliches physisches Gold kaufen. Wir erwarten, dass ein Anleger mit Anteilen des SafePort Physical Gold 95+ Fund punkto Wertentwicklung wesentlich besser bedient ist, als wenn er privat einen Goldbarren
kauft und alle Preisbewegungen „runter und rauf mitmacht“.

Unilateral Orchiectomy Cost $ £

real values \u200b\u200bonly alternative to inflation

 Reale Werte in einer  Rentenversicherung a top product consulting fees

Highlights con.fee real worth Police
• Asset protection with physical gold, silver, real estate, ships and other property
• Invest in alternative asset classes from 100 € per month. and co-payments from 2 .500 €
• Optional life cover up to 100,000 €
• choice between lump-sum payment or pension
• pension guarantee period or capital protection option
• Flexible retirement 55-85 years
• Payment (in parts) in cash, units or physical Gold
• Good tradability (from 1 ounce) • Highest
guarantee pension (Focus Money 2008)
• Excluding net terms: 􀁺
No amount allowed for external commissions and closing costs (usually less than 7 percent)
􀁺 purchase of the shares of the MPC Prime Basket by quantum no-load (up to 5 percent). The MPC Prime Basket also purchases the shares in the property value and home equity without premium acquisition costs (up to 7 percent).
􀁺 purchase of physical precious and strategic metals to the wholesale price (interbank rate) with a savings of 6 to 8 percent compared to the private purchase
􀁺 price advantage of up to 30 percent on the purchase and sale of collector coins
􀁺 No custody fee storage physical metals (in the fund fees included)
􀁺 No VAT on the purchase of silver, rhenium and other metals, owing to adequate organizational structures
􀁺 reducing the administrative costs of ETFs compared to active funds to at least one percent of the investment volume per month
• Legal customer protection insolvency of the insurance company
• German insurance contract law