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The German pension system and the German bureaucracy is difficult. We advise you holistically, fairly and transparently.
The German pension system and the German bureaucracy is difficult. We advise you holistically, fairly and transparently.
Yield and time are your levers for successful retirement provision. In our calculator you can see how many euros you have to spend each month to close your pension gap. The earlier you start, the cheaper it gets.
savings interest:
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Your insurance policies are tax-free if they were taken out before January 1, 2005. However, you have to pay tax on insurance contracts that you have concluded afterwards.
Not only do you have to cancel insurance policies, you can also sell them. Especially with life insurance, you can get another 2-4 percent out of special providers than with the payment by your insurer.
If you have an older life insurance policy that you took out before January 1, 2005, you should not cancel it. The reason: These are tax-free and usually have a better return than the insurance that you can take out today. Therefore: It is best not to cancel!
Sunk costs are those that have already been incurred and cannot be reversed. This means costs that you have already paid or still have to pay. Examples of sunk costs are marketing measures to increase awareness and can be seen as value or assets and included in the balance sheet.
If your stock has high political risk because it comes from an emerging or developing country, the return will be higher in most cases.
High quality companies typically have higher returns than lower quality companies. That's measured by its earnings-to-book ratio or debt ratios.
We help you to clarify the complex facts and show you your investment options. Get to know us in a free initial consultation!
Among other things, I asked for a pension plan there and I am really positively impressed by the consultant. He responded very well to my wishes and was and is really always available for me! For my questions he has always taken a lot of time and also very much patience and friendliness! The product recommended by him I had compared with others and finally decided for this. On the one hand, because the product really convinced me in the end and on the other hand, because the consultant David R. really took the time and explained everything to me again and again in a very understandable and good way. Great consultant who really does not leave you hanging!
Many thanks to Mr. David Reinhard for the detailed advice and patience in answering my questions – sympathetic and competent!
Super good financial service from David Reinhard! The advice is based on your own needs and interests and not on the interests of the respective insurance companies / banks.
The advice given by Mr. Reinhard when changing the Riester pension was professionally very good, fast and even via video telephony uncomplicated and possible at any time. Therefore, I can highly recommend this.
It was nice being supported with a professional representative – ( David Reinhard ) who advised and gave us the best suited and transparent advise. This not only gave us the confidence but also motivated us to start with our goal.
David Reinhard has the patience and knows the details. He gives the time that is needed for the advice and is really good in what he does. He came across as someone who does his best to win the trust and confidence.
Alternatively you can contact us at +49 6221 67412 reach.
You cannot have your finances professionally managed without a basis of trust. So get to know us so that you get a serious impression of us!
Do you need a hands-on consultant? Then stop by our beautiful office!
Alternatively you can contact us at +49 6221 67412 reach.