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FUND: As a millionaire into the pension - Wirtschafts-news - FOCUS on-line one. A new package for the age precaution competes with life insurances. As one spends 70 million Marks in 90 minutes. One is called franc Heise, possesses account authority of its employer union Investment and earned its money as Fondsmanager.30 clock: With two telephones the 34jaehrige plant professional before its Reuters screen sits and checkt the courses. Mouse-click and on the monitor appears a long list of purchase candidates: Daimler, BASF, Sixt, Porsche. Heise analyzed the largest corporations in the apron. The union manager administers one of the first German age precaution special estates (AS). After months-long planning phase its fund was approved on Friday one week ago by the Federal Supervisory Office for the credit system. „.Zu teuer“., decides the professional investor and paints autofarmer of the list. „.Die SAM LCL I still cheap ein.“. SAP 780 Marks, six per cent of course pluses. Heise considered briefly, orders 4800 pieces: „.Die continue to rise. „.Ein Schnaeppchen“., judges Heise and assigns its dealer to buy 15,000 pieces. In order not to too much upward drive the price, is the broker the order in four Tranchen splitten. One and a half hours later are distributed 70 million Marks. With its selection Heise must fulfill high expectations. A 30jaehriger, which puts on monthly 473 Marks, then recruits the union Investment, is with 65 millionaire. A new concept is to revolutionize the age precaution. Instead of in life insurances the Germans are in the future to invest –. a mixture from shares, real estates and loans in AS funds. The third financial market promotion law prescribes, at least 51 per cent in material values, thus shares and real estates for the societies to put on. The portion of the dividend papers may vary between 21 and 75 per cent. Bonds are permitted up to 49 per cent, real estates up to 30 per cent. David Blake, professor at British Institut for pension funds, calls the new AS the „.ideale kind of the Altersvorsorge“. the industry requested 35 permission at the Federal Supervisory Office for the credit system, is already located further 34 AS funds in the starting holes. The societies wittern an enormous business. The entire market of the age precaution becomes estimated on 2.6 trillion Marks. The money is to flow peu á peu into the cashes of the societies. All offerers are committed, austerity plans with a running time of at least 18 years or up to to 60. Who wants to step out prematurely, can quit however with three-month period and obtains paid off the current stock exchange value of its portions. During a life insurance it would have to be content with the low repurchase value. Also with the costs the fund offerers show up comparatively modestly. Customers can pursue the value development of the fund portions daily in the newspaper. „.Mit shares are high profits possible. If however, kind of hitting a corner baron von Uckermann, Vorstandschef of the Hannover lives, „.kann it criticizes the courses sinken“. for the investors to harsh losses comes. „.Was have you actually against the on and with their Altersvorsorge.“. go off the general association of the German insurance economy (GDV) therefore since the Crash days in August into the offensive. In black-green announcements the Assekuranz recruits for life insurances. Those kept a life long, which they promise, and nevertheless guaranteed four per cent of net yield. „.Die life insurance remains the most important instrument of the Altersvorsorge“., summarizes Michael Kalka, boss of the Aachener and Munich life insurance. It takes off from the first minute to the risks of the life such as death or inability to work. AS funds do not offer this protection. „.Aktien know therefore for particulars quite an important function erfuellen“., vacate Kalka a „.Aber with the age precaution may it no speculative elements give. A study of the German society for Investment fund (DEVIF) examined the doubts. From 1875 to today it took all conceivable -, three -, five -, ten -, 15 and 20-periods of a year under the magnifying glass. Result: Shares are risky, if they are kept short term. Who invested one year long into a fund with German default values, 85 per cent could earn, in addition, lose 38 per cent. During a long-term view however the risk argument runs in emptiness according to the DEVIF calculation. Already a 15jaehrige plant duration given Sparern in all phases of the past 123 years at least 3.4 per cent of net yield –. if it on black Friday sold. Who got a more favorable door time, money could be even over up to 24 per cent per year to increase. Such dream net yields will hardly reach many AS funds. That may promise security, has on a long-term basis however net yield losses to the consequence. Most Discount brokers sell fund austerity plans without expenditure impact. Even the GDV gropes along to higher share ratios near –. at least if it around operational age precaution goes. „.Die plant borders for pension funds are of 30 to 50 per cent of the investments increased werden“., demand the federation. The Federal Supervisory Office for insurance can examine, „.dass guaranteed achievements not endangered werden“. Union fund manager Heise wants to work on a long-term basis with a high stock share. With 70 per cent it remains scarce under the legally permitted upper limit. * New funds: The third financial market promotion law permits AS funds to the age precaution. * New mixture: Professional trustees invest the money of the investors in shares, real estates and loans. AS-FUNDS OR LIFE INSURANCE the COMPETITORS IN the COMPARISON AS fund offer an alternative to traditional capital life insurances in the age precaution. AS-FUND OR LIFE INSURANCE the COMPETITORS IN the COMPARISON WITH 65 MILLIONAIRE the MONTHLY RATES OF SAVING long-term saving adjusts stock exchange fluctuations. WITH 65 the different societies differ MILLIONAIRE the MONTHLY RATES OF SAVING NEW AS-FUNDS the OFFERS IN the OVERVIEW particularly in things plant structure clearly. NEW AS-FUNDS the OFFERS IN the OVERVIEW PENSION OF the BOSS FUND FINANCING OPERATING PENSIONS the national AS seal does not hand to the investment companies. The industry looks for entrance to the operational age precaution. „.AS-Fonds is missing so far the fiscal Foerderung“., criticizes Dirk Meyer Scharenberg, professor for management economics at the University of Regensburg. Engraving during the disbursement of the pension is not this disadvantage like that, since share quotation gains remain taxfree in the fund depot with the long running time of the AS austerity plans. Investors must pay however the fund contributions from fully paid duty income, while premiums are for taxation favoured to life insurances. Investment companies and banks want to fight therefore for tax benefits. The contributions of the enterprises should be taxfree, so the plan. The treasury would only take the money with the later disbursement. Since the funds are not bound to an enterprise, employees could carry their rights to a pension forward with the job change. The federation suggests two fund variants:. Achievement-referred operating pension funds are to assure a later disbursement firmly. The height of the pension depends on how much the funds actually gain. The financing of the achievements is to be released completely from the tax, only with the disbursement takes the money the treasury. Thus also the payments sink to the tax office. Additional advantage: The real estate fund remains untouched in the fortune of the enterprise. In the interest of all user our administrators precheck to each contribution. As registered users order you over 800 instead of 400 indications text length and are informed, if your comment were de-energised. If you have already an account, you can now log in. You straight written comment are then linked with your account. Topnoten fund now with 50% discount. Cash make at expense of Klaus Z. The state lawyers used the Prominenz of the post office boss purposefully, in order to celebrate search successes and drive taxes in million height. The fast course from France Von Musik-Teddys and Hybrid-Autos Klum recruits richest humans of the world for Big Macs and car is as kunden(un)freundlich of Germany enterprise. Better net yields with British policies the intelligent investment of funds of the future of free fund news type character as pdf and mad Abo premiums secure build one and purchase-willing their financing with different Tools can calculate further on-line offers of Hubert Burda Media