• 1. The many investment possibilities in Germany
  2. Different products
     1. Basic-/Rürup pension (Level I)
     2. Riester contracts (level II)

• Occupational pension schemes (Level II)

1. Fund policies (level III)
2. Funds (level III)

1. Essential difference
   1. Basic-/Rürup pensions, Riester contracts, and occupational pension schemes include a premium guarantee in the vast majority (>95%) of cases: This is equivalent to a “guaranteed destruction of money”.
   2. Explanation of the premium guarantee: In order to secure their guarantees, insurers are obliged to invest in government bonds with very low-interest rates; the trend here has clearly been downwards over the last twenty years.
2. Our mission: Analysis of your existing products and the results you can achieve with these products in the long term, comparison of all the options available to you, and selection of the best product and optimal provider
3. Level I and II problems
   1. Tax advantages in the savings phase, but full taxation in the pension phase
   2. The capital availability of the sums saved in the contracts is severely restricted in levels I and II.

• Capital loss in the event of death in the case of Rürup and occupational pension contracts, restricted transfer in the case of Riester.

1. Result
   1. For 90-95% of our customers, a combination of a fund policy and a fund depot is the better choice: Here, the capital can be used directly to invest it in the capital markets.
   2. In individual cases, however, it may still make sense to use Level I or Level II products.
      1. Rürup: For a wealthy entrepreneur in his late 50s, a Rürup contract may well be worthwhile due to the massive tax advantages in the short term (in this case, the return would not be achieved through the investment concept, but through the tax advantages).
      2. Riester: For a mother who is subject to social insurance contributions and has a net income of < €1200 and two children as well as child benefit entitlement, a Riester contract can be worthwhile due to the state subsidies (€600 child subsidy and €175 basic allowance with €60 own contribution per year).
      3. Occupational pension schemes: A model that is interesting today is the direct commitment. In this case, your employer ensures that provisions are made for your old age. You pay nothing or only a small amount. Experience shows that this model is worthwhile as long as you do not pay more than 25% of the contributions.
   3. How is the money invested in a fund policy or a fund depot?
      1. Due to the medium to long-term time horizon, the focus is on the stock market, in which we can achieve the best results for you through globally diversified investment funds (both ETFs and active funds).
      2. Conservatively, an average annual return of 6-7 % p.a. can be assumed, but often the return is significantly higher.
   4. Tax conditions of a fund policy
      1. Payment of contributions from net assets, but tax advantages in the payout phase (pension phase)
      2. This tax advantage results from the legal framework offered by the Fund policy (“unit-linked pension insurance”).
   5. Structure of the fund policy

In order to be able to exploit all the advantages of the fund policy, the fund policies are designed with a term lasting up to your 85th year of age: This means that you do not have to decide until you are 85 whether you want to have the money paid out or have it annuitized.

Before that, you can make partial withdrawals at your discretion and benefit from the tax advantages mentioned above during the retirement phase (from 62).

1. 1. Insight into the current market

We sell 95% of our products under warranty. With us, this ratio is reversed.

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