Author: Helen Kelly

Payday loan online -Cash transfer within the hour via easy payday lender

Would you like to have money quickly, but do not you feel like all kinds of conditions and hassle? Borrowing a small loan for money without hassle is the solution!

In contrast to regular loans from banks, for example, it is now possible to take out a small loan from alternative loan providers. Of course, fewer conditions are attached to these loans, so that they are easier to close. The reason that there are fewer conditions attached to these loans is that the risks for the loan providers are automatically less high than when it concerns loans of larger amounts. Fewer conditions mean less hassle, and also more accessible loans. If you want to borrow a small amount, it is therefore often interesting to borrow from alternative loan providers than from the bank.

Cash transfer within the hour via easy payday lenders

If you opt for an easy payday loan at 1 Payday on the internet, there are of course some conditions that you have to take into account. For example, legal rules have been drawn up when it comes to providing loans. In any case, it is legally required that you have to be at least 21 years old to be able to take out a loan and you also need a fixed monthly amount of income. Whether this income is made up of salary, study financing or maintenance, for example, is unimportant for most alternative lenders of small amounts. Also, papers or a blacklist check are usually not necessary.

On the internet borrow small loan for money without the hassle

The place where you can find the most alternative lenders is online. This is because taking out a loan through the internet is the easiest for both the lender and the lender. After all, you do not have to take account of mandatory agreements or accountability with these loans and you can take out the loan at any time you want. In general, borrowing via the internet is seen as unsafe. However, online borrowing is not directly less safe than borrowing through the bank. Online lenders are also required to comply with the statutory requirements as laid down in the Consumer Credit Act. Whether the lender operates responsibly can also be checked by looking for a Chamber of Commerce number on the website. A company is obliged to mention this on its website. If a company is a member of the Chamber of Commerce, this means that the company is controlled by the government. Always make sure that every form of borrowing entails risk and costs money. After all, you enter into a payment obligation and you only try to do this if the money can be available on time.

How much money can I borrow with a small loan for money without hassle?

So you can take out a small loan on the internet, but how much money can you borrow with a small loan? Generally speaking, an alternative loan provider understands approximately amounts up to 1000 euros under a loan of a small amount. This makes it possible, for example, to take out a loan of 100 euros, 550 euros or 700 euros for whatever reason. You do not have to give the loan provider the price of borrowing. Borrowing small loans for money without hassle is, therefore, possible for every reason for borrowing!

ARD informs about car insurance change: Deadline is racing

Thursday, 21.11.13 , written by Christian Hafler For the motor insurance change driver remains only a little time. That’s why the ARD Morgenmagazin, together with a financial test expert, provides timely information on expensive motor insurance. Especially frequent drivers and novice drivers can therefore save a lot of money with a change. >  Car Insurance Change: Only a few days left until the deadline

The deadline for the change of motor vehicle insurance is getting closer. Car insurance policies that run until 31 December 2013 will automatically renew for another year. Only those who quit until 30th November and change the car insurance can save a lot of money. Currently, the ARD Morgenmagazin together with Michael Bruns of Finanztest points out that motorists with a car insurance comparison can save a lot of contributions. The price range between the most expensive and the cheapest car insurance is sometimes enormous. For example, frequent travelers pay between € 1,300 and € 450 for their insurance cover. Even with novice drivers, the price differences are very large.

“Dramatic price differences”: Use car insurance change

According to the current motor insurance test of financial test novice drivers with a car insurance change save up to 3,000 euros a year. In the ARD Morgenmagazin Bruns explains that it is not individual insurance companies that are becoming more expensive, but rather individual tariffs and features. These include, for example, the age of the insured person, how many kilometers he drives and the driver’s circle. For most motorists, the car insurance becomes more expensive. A car insurance comparison is therefore worthwhile for most customers. “Prices are on the insurance market very moving,” explains the financial test expert. “The price differences are dramatic.”

Service: See for yourself how big the price differences are. Compare here for free about 100 offers.

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Cheap car insurance equal to better car insurance?

But does cheap always mean better? This question was pursued by the ARD Morgenmagazin. “As a rule, insurers always offer several tariffs,” says Bruns. So there are basic rates, comfort and luxury fares. While the basic rates cover the necessary services, comfort rates offer many additional benefits. These may be superfluous for motorists, however. For example, what is the probability that the car will go down with a ferry? Most insured people can do without this protection and save a few euros.

Car Insurance Change: Deadline shifts in 2013

The deadline for the change of car insurance is extended this year. As the 30th of November this time falls on a Saturday, many companies also accept the termination on 2 December 2013. Important: The notice of termination must be on the table at the latest by this deadline at the car insurer. However, anyone who wants to play safe with his termination should ensure that the letter is available to the provider by 30 November. Insured who miss the appointment, can only terminate after an increase in their car insurance. The special right of termination makes this possible. As soon as drivers have been informed about the rising prices, they have one month to change their car insurance policy.

ARD: Compare is worth every year

According to ARD, savings fox compare and cancel their contract every year. “Sometimes it will also be cheaper if [they] give notice and register again as a new customer with the old insurer.” Although the car insurance comparison does not necessarily have to save a saving of several hundred euros. Recently, the insurance expert Manfred Poweleit criticized that such promises are nonsense. But even if insured can save under 100 €, that relieves the wallet.

The one best car insurance does not exist

Which car insurance incidentally is the best, is difficult to generalize. Although there have been some tests in 2013, they have produced different test winners. This is related to the different examination criteria. For example, the analyzes ask for the most fair car insurer or the car insurer with the best service. A good price-performance ratio can also decide on a motor insurance test winner as transparent and consumer-friendly contract terms. Motorists should therefore know what is important to them in their motor insurance. So you can quickly find their personal best car insurance when changing car insurance.

Here you can find tips and more information about car insurance. >

Christian Hafler

editorial staff


More news about car insurance

# Question of the week: What do motorists have to pay attention to with Dashcam videos? # Question of the week: What to do about a downgrade of the car insurance? # Change of the motor insurance thanks to special termination now still possible 05/31/2018 Baukindergeld will not change the housing shortage in the cities 05/30/2018 ARD plus minus: health insurance contribution for many self-employed too high 05/29/2018 What financial protection do students have when they are disabled? 05/28/2018 Rürup, Riester and Co .: Which private retirement provision makes sense? 05/25/2018 Question of the week: What comes with the new travel law on vacationers?

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news Millions of BGH verdict on life insurance News always well informed Tuesday, 10.02.15 , written by Bernd Lauberg The Federal Court of Justice (BGH) has to answer in a recent judgment the question of how much money life insurance customers are entitled to. According to consumer advocates they are not sufficiently involved in the valuation reserves. For the individual, it is about hundreds to thousands of euros – for the insurance industry, it is a billion decision. > Versicherer fürchten Nachforderungen in Milliardenhöhe Life insurance: BGH checks calculation of reserves

The current judgment of the BGH deals with the hidden reserves in life insurance. In addition to the paid-in contributions and the normal profit sharing, insured persons also receive an interest in these so-called valuation reserves at the end of the contract. Insurers are obliged to – if the contract does not explicitly regulate otherwise – to include the policyholder at the half of the valuation reserves at the end of the contract. The ruling of the BGH, which is expected on Wednesday, should clarify whether the calculation – and thus participation – of the hidden reserves is appropriate or the customers are paid too little money .

Life insurance: BGH decides on additional payment

In the present case, the plaintiff had taken out a life insurance policy with Allianz in 1987 and received a total of EUR 28 026 at the end of the contract in 2008. Of this amount, € 9,124 was accounted for by the surplus participation, including the participation in the valuation reserves. According to the plaintiff, the 657 euro are too little, because the valuation reserves were inadmissibly offset with the final profit participation . (Az. IV ZR 213/14)

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Consumer advocates demand more transparency

Consumer advocates such as the Confederation of Insured eV have been complaining for years that insurers would artificially low their participation in the valuation reserves for consumers through this and similar offsetting. In addition, it is not transparent for the insured how the corresponding calculations are made .

BGH judgment could cost life insurance billions

So far, the action in the lower courts had no success, so that the process has now landed in revision before the Federal Court. Thus, the upcoming judgment has signal effect for the whole industry . If the judges in Karlsruhe decide on the plaintiff, the entire insurance industry faces additional claims from life insurance customers whose contracts were concluded before 2008. In view of a total of more than 87 million life insurance policies in Germany , this is billions of euros for insurance customers and companies .

Update February 11, 2015: The judges have decided against the plaintiff's opinion. Therefore, the alliance does not have to pay any more money or explain exactly how the payment is made. For the BdV "the verdict is a slap in the face." The association criticizes that insured persons must continue to rely on the statements of the companies without a possibility of control. Since there was no consumer protection-hoped for a fundamental verdict, the industry is spared a billion-dollar verdict.

What are hidden reserves?

The hidden reserves represent the difference between the acquisition cost and the current market value of the investments in which life insurance was invested.

BGH judgment: life insurance and Co. soon more transparent?

Even more important than the question of how much money customers are entitled to a life insurance policy is, moreover, the answer to the question as to whether the insurance companies should be required to provide information regarding the actuarial basis for surplus calculation. Insurance customers could then better understand in the future, as the insurer has calculated the amount of hidden reserves. Axel Kleinlein, CEO of the Association of Insured (BdV) evaluated in the run-up to such a decision as an "important step against the steady deterioration of the consumer position."

Just last year, the LVRG passed a new regulation on participation in valuation reserves. The BdV asked the Federal President even the law due to "constitutional concerns" not to sign .

Here you will find tips and more information about life insurance. >

Bernd Lauberg

editorial staff

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# Term Life Insurance: Which term makes sense? # Question of the week: Is life insurance still useful? # Question of the week: What are the consequences of selling life insurance? 05/31/2018 Baukindergeld will not change the housing shortage in the cities 05/30/2018 ARD plus minus: health insurance contribution for many self-employed too high 05/29/2018 What financial protection do students have when they are disabled? 05/28/2018 Rürup, Riester and Co .: Which private retirement provision makes sense? 05/25/2018 Question of the week: What comes with the new travel law on vacationers?

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Mortgage lending test winner


Mortgage lending test winner

The top results according to Stiftung Warentest
Baufinanzierung Testsieger
  • Especially low interest rates for real estate loans
  • 92 offers in the test
  • On average, 3 percent interest
  • Riester promotion possible

Construction Financing Test: The current test winners in comparison

Although real estate prices have increased recently, the cost of building or buying your own property today is much lower than a few years ago. The reason: never before have there been so many loan offers on the market and never have interest rates been as low as today. If you are looking for an optimal way to buy mortgages, you should take a look at the mortgage lenders Testieger.

Offer comparison for mortgage lending

If you are looking for affordable mortgage lending in 2017, you will quickly find it. The interest rates for real estate loans are comparatively low today and the loan offers are more flexible than ever. Builders and homebuyers can finance their dream home with a loan tailored to their individual needs. Many financing offers provide long-term interest rate security and additional Riester funding by the state. To catch the cheapest offer, interested parties are well advised to first obtain several offers from banks, building societies and financing experts and compare them with each other.

Super Saver

The cheapest loan offer can be found quickly and easily with the help of an expert in mortgage lending. He will record your individual key data in a detailed conversation – such as the desired loan amount, your eligibility and the possible installment amount – and will examine a large number of offers for you.

Mortgage lending test 2017 of the Stiftung Warentest: saving around 65,000 euros

The experts of Stiftung Warentest found significant cost differences in 2017 for mortgage lending. An initial survey at the beginning of the year showed that customers can save tens of thousands of euros from the right provider depending on various factors, such as the amount of the loan, the nature of the repayment and the length of the fixed interest rate (Finanztest 1/2017). In a second comparison of 105 banks, intermediaries, insurers and building societies this result was confirmed (Finanztest 4/2017).

Thus, in a Volltilgerdarlehen between the cheapest and the most expensive mortgage lender with a loan amount of 180,000 euros, a purchase price of 250,000 euros and 25 years fixed interest rate difference of 64,700 euros . The Building Finance Test 2017 thus shows that before buying or building a home, the various offers should be compared in order not to unnecessarily invest money.

Best Mortgage Broker 2017 chosen

When it comes to mortgage lending, future homeowners face a very wide range of potential financing options. Which German mortgage lenders offer the best conditions and the best service , the German Institute for Service Quality (DISQ) in August 2017 examined. 14 direct providers were evaluated, for example by comparing the effective interest rates and benefits for instant, forward and full mortgage loans. In addition, the quality of advice on the phone and via e-mail played an important role.

The best mortgage lenders from the perspective of the testers are

  • Interhyp
  • 1822directly and
  • Volkswagen Bank.

They all offer good conditions and very good service. All three have the best conditions for immediate financing and full repayment, and the employees convince with electronic or telephone inquiries through competence.

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Focus-Money selects fairest mortgage lending

In the search for a good mortgage lending other factors should be taken into account in addition to excellent conditions . Therefore, in the home finance test of Focus-Money and ServiceValue around 1,900 customers were asked about their experiences with different providers (Focus-Money 47/2016). The respondents rated the product range and the price-performance ratio as well as customer service, consulting and communication. A total of six mortgage lenders prevailed with a very good result .

Construction financing test winner in the fairness

ING-DiBa, Sparda Banks and Interhyp are already on the top ranks for the sixth time . Even Accedo and PSD banks were among the best mortgage lenders last year.

Follow-up loans in the test

Rarely do owners pay their loan within the fixed interest period. After initial recognition, follow-up financing therefore follows. As with all mortgage lending, the comparison of several offers is important. This can save up to 12,000 euros, as the follow-up financing comparison 2016 shows the financial test.

Mortgage lending test 2016: Stiftung Warentest shows high savings potential

In 2016, Stiftung Warentest also tested in the Construction Financing Test how aspiring homeowners can finance their own home most cheaply. For this purpose, various credit models were considered and examined, with which providers cost the least funding. Depending on the type of financing, lending rates are therefore possible as low as 1.54 percent . Sparda Nürnberg demands this effective interest rate for a Volltilger loan of 180,000 euros with a fixed interest rate of 20 years.

As the testers show, even with predominantly low interest rates, small differences in terms and conditions can result in considerable additional costs or savings . In a model case was between the cheapest and the most expensive offer a difference of more than 66,000 euros.

Determine optimal mortgage lending

Before real estate buyers and builders decide on the next best loan, they should compare the various offers on the market. However, the amount of interest that lenders demand differs enormously, which is why interested parties can save several thousand euros with a low-cost offer. This is impressively demonstrated by the investigations of Stiftung Warentest. The terms of the loans also vary from provider to provider. In particular, borrowers should ensure that their loan agreement allows for special repayments and installment changes .

Use long rate fixation

As a borrower, you should set the lowest possible interest rate for at least ten, but better still 15 or 20 years. The longer the interest rate is fixed, the better you are protected from rising interest rates and thus have a security. You benefit most from a fixed interest rate for the entire loan term.

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Take advantage of our free quote and let us advise you on your own personal mortgage lending options. Our certified and evaluated experts will answer your specific questions and wishes and compare all possible financing options for your home. So you can quickly and easily find your individual mortgage test winner.


Car insurance 2013: Save more than 1300 euros with a change

Car insurance 2013: Save more than 1300 euros with a change

With a change in motor insurance, motorists can save an average of over 1,300 euros in 2013. So big is the price difference between the most expensive and the cheapest car insurance. This is confirmed by a recent study, according to which there is considerable savings potential for motor vehicle owners in motor vehicle insurance.
Kfz-Versicherung 2013 wechseln und so mehrere 100 Euro einsparen
Traffic accident: Here the right car insurance helps

First the bad news: The motor insurance has become more expensive in 2013 again. The contributions have increased on average by 5.8 percent. Already in 2012, premiums rose by 6.9 percent. Now the good news: Motorists can still save up to 59 percent with a change of their motor insurance 2013. This is confirmed by a recent study by the independent Institute for the Insurance Industry in Berlin, which was commissioned by the car insurer Direct Line. As a result, there is a large difference in the prices between the offers of different insurers in car insurance. The analysis shows that the price range between the most expensive and the cheapest tariff averages 1,338 euros.

Car insurance comparison 2013: Average price difference of 1,338 euros

For the market survey on the price situation in the German motor insurance market, more than 33,000 tariff calculations were carried out for 10 sample customers from 20 cities and regions. Among them were students with a VW Polo, families with a hybrid car and wives with a second car. Especially students who drive a VW, according to the study could save the most with their car insurance. Those who opt for the cheapest offer saves in comparison to the most expensive tariff 3,471 euros. A detailed car insurance comparison is worth so much gold. But it is also worthwhile for all other motorists to take a closer look at their car insurance. Even if the price difference is small, it is still at 691 euros.

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Switch car insurance until 30th November: how does it work?

Motorists have until 30 November 2013 to cancel their car insurance and switch to a new provider. Who now asks “Change car insurance, how does that work?”, Who finds here a pattern for his termination of the motor insurance. Motorists can quickly find a suitable new fare online with the aid of a car insurance calculator. The more concrete their details are, the more tailor-made is the new car insurance and the more satisfied they are with their choice at the end.

Car insurance 2013: where motorists can save the most

According to the study, car owners in Berlin have the greatest savings potential. Between the most expensive and the cheapest offer are 1,661 euros, which can save Berliners with the right car insurance. But drivers throughout Germany have the opportunity to save money with a change. It does not even the comparison between the most expensive and the cheapest car insurance are used. Even the comparison between the cheapest rate and the average price shows that the best offer can save up to 59 percent of the premium.

Top 5 cities with the highest price difference:

  • Berlin (1,661 euros)
  • Munich (1,513 euros)
  • Nuremberg (1,461 euros)
  • Hamburg (1,455 euros)
  • Frankfurt (1,454 euros)

Our service: How high the price difference for you in your city fails, you will find out with our car insurance calculator. Find out if your current car insurance is among the most expensive or cheapest deals.

Car Insurance 2013: Which insurer is the cheapest?

In which motor insurance consumers can insure the best or most favorable, the study can not say. The differences between the sample customers are too great for a clear winner to emerge from the analysis. Anders is the result of the motor insurance test 2013, the Cologne market researcher ServiceValue. There are 11 test winners from the investigation. Among them are the auto insurers HUK-Coburg and DEVK, which also achieved a very good result in the latest motor vehicle insurance test from the German Institute for Service Quality.

Enormous price differences in motor insurance 2013

Why car drivers can save so much money on their car insurance, the study authors found in the different scope of services of the offers and founded in the various risk assessments of insurers. But also “a different price policy and the current competitive situation” lead to these enormous saving potentials. However, Spiegel Online points out that “a change is not always advisable because of lower costs”. Also, performance enhancements such as protection against marten bites or game damage can motivate motorists to change their car insurance. The magazine concludes that it is sometimes difficult to find “a suitable and equally cheap car insurance. But the effort can be worthwhile. “

Here you can find tips and more information about car insurance.

Funeral insurance

Funeral insurance

Death benefit insurance protects your loved ones from the high costs that will be incurred in the event of your death and at the same time ensures you a dignified burial. So neither you nor your partner or your children have to compromise. Because burials are becoming increasingly expensive in Germany.

The history of the statutory death grant

The death benefit was originally a benefit of the statutory health insurance. For example, until the end of 2003, the death benefit was paid on the death of a statutory health insurance in order to bear part of the funeral costs. Most recently, the death benefit amounted to € 525 for legally insured persons and € 262.50 for family members. But at this time, the death benefit had already been cut several times, in 1998, the respective health insurance paid up to 3,100 euros. However, this form of financial support is no longer available. The funeral costs must be so denied from the inheritance of the deceased. If necessary, the relatives also pay for the costs incurred.

How much is a funeral?

The cost of a funeral in Germany depends on the nature of the funeral, whether it is, for example, a burial in the coffin or an urn, location and design of the funeral. On average, in the event of death by burial and all related services, such as transfer or grave planting, costs amounting to 7,000 to 8,000 euros. The exact costs incurred in the death are underestimated by many people who have never had to worry about the funeral of a loved one. After all, not only the casket or the urn must be paid for burial. The grave or urn place costs money, as well as a tombstone, the funeral or the later grave care by the cemetery gardener.

Example calculation Funeral expenses

Casket, solid pine 800 €
Gravestone with border 2,700 €
Dressing and embedding 140 €
General Administration 210 €
Laying out 250 €
Death certificate and death certificate 70 €
obituary 330 €
Trauergesteck 250 €
Funeral oratory and musicians 450 €
Cemetery fees and grave use 2,800 €
total cost 8,000 €


This is how a death benefit insurance works

Who wants to have a dignified burial, can not help but to ask the question of how the costs incurred should be denied. After the abolishment of the statutory death benefit, the private death benefit insurance offers the possibility for precaution. As a rule, the insured pays a monthly contribution to the insurance. In the event of death, the latter will pay a pre-agreed sum insured to the beneficiaries (eg spouse or children) who can use this money to pay for the burial costs.
The amount of the insurance premiums depends on the age of the insured person at the start of the insurance, any pre-existing illnesses and the amount of the insured sum. Often a limited contribution payment is also agreed. In particular, younger insured pay for some tariffs only up to the age of 65 years so as to make provision for the funeral. If one agrees here with the insurer a longer contribution payment, accordingly the monthly premiums decrease. Alternatively, the mortality provision can also be financed by means of a one-time contribution.

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Advantage of the death benefit insurance

The capital accumulated in the death benefit insurance belongs to so-called “guardianship”. This means that income diminishes in old age as a result of retirement, the death benefit insurance does not have to be terminated and capital must be used for livelihood if social benefits are applied for. This is one of the big advantages of the death benefit insurance. Alternatively, if you put the money aside and pay it, for example, into a savings account, capital must be used up before any social benefits are paid.
Even people with a middle to good income should not neglect this factor. If you are dependent on nursing care when you are old, the costs for this can quickly exceed your own pension and social benefits become necessary. With a private funeral insurance you secure yourself in this case, a dignified burial.

Is a death benefit insurance useful?

The death benefit insurance is useful if the funeral costs can not be easily paid from the estate and their own relatives should not be additionally financially burdened in the event of death. However, anyone interested in a death benefit insurance should check in advance whether, in the event of a case, a death benefit is not already paid by the employer.
For example, the dependents of civil servants (also retired) receive a death benefit under the Public Servants Act. This includes twice the last salary or pension. The official death grant is usually sufficient to cover at least the majority of funeral expenses. Sometimes the employer also pays a death grant for employees. This is then regulated in the employment or collective agreement. In addition, there may be a death benefit from the company pension scheme.
In the cases mentioned, a death benefit insurance usually makes less sense, since the financial burdens are already covered by a funeral with the services of the employer, employer or company pension.
Anyone who is already older and now deals more intensively with the topic of death, should check before concluding a death benefit insurance, whether a monthly payment method or the death benefit provision recommended by a lump sum. For example, people aged 50-65 will be more likely to pay once, otherwise the monthly contributions will be too high.

Termination of Death Benefit Insurance?

A death benefit insurance can be terminated like any other endowment insurance. The deadline for this depends on the payment method (monthly, quarterly, yearly) and amounts to one month after payment of the last installment. Upon termination, the insured person will be refunded the current surrender value by the provider. However, as usually administrative costs and fees due at the beginning of the insurance period are covered by the contributions, the repurchase value is very small compared to the contributions initially paid.
There is also the option to post the insurance without deduction if a specified minimum value has been reached. In this case, the insurance continues to run without paying contributions. In the event of death, however, a lesser amount will be paid to the surviving dependents.

Editorial tip: deduct contributions to the death benefit insurance

Depending on the nature of the death benefit insurance, the insurance premiums in the tax return can be deducted as special expenses for tax purposes. This is possible under the heading “Investment in pension costs: other miscellaneous pension costs”

Death benefits insurance and taxes – When is the death benefit taxable?

Whether the death benefit must be taxed or not depends on the type of benefits. The death benefit for civil servants must be taxed at the recipient, such as the surviving spouse or the children as other sources of income. The same applies to the death benefits paid by the deceased’s employer. In both cases, the death benefit is payable, but free of social contributions. The tax code of the respective heirs applies.
However, benefits from the death benefit insurance are income tax exempt. However, this only applies to the death benefits. If, on the other hand, the death benefit insurance is terminated, the surrender value is subject to income tax.



ZDF WISO on old-age provision: close pension gap, enjoy retirement

Monday, 12.09.16 , written by Anja Schlicht ZDF WISO focuses in the current program on the private pension. Whether Riester pension, fund savings plan, occupational pension or own property: There are many ways to prepare for retirement. Which ones are best, however, is difficult to say. Rather, it is important to know your own pension gap and to act depending on your own wishes. >

ZDF WISO erklärt: So die Rentenlücke am besten schließen

ZDF WISO gives important tips on private pension provision

ZDF WISO is currently dedicating itself entirely to private old-age pensions, does the pension check and shows how viewers can close the pension gap. Without adequate precautions, most citizens will have to cut back on their old age . Because the falling pension level, employees receive less and less statutory pension . Only very few will be able to maintain their standard of living for this reason. Private provision is therefore necessary. But how much money should consumers put aside for old age? And what options are open to you? ZDF WISO tries to give answers.

Our service: You still do not know how best to save your own home with little financial means? Do not postpone the issue, because the sooner you act, the more you can do for your retirement. Get smart now by requesting a no-obligation retirement plan.

ZDF WISO with tips in the jungle of private pensions

The magazine repeatedly points out in the current issue on private pensions that interested parties should seek advice from an expert in any case. After all, personal best retirement provision depends on various factors such as income, willingness to take risks, family situation and entitlement to state subsidies. The one universal universal pension form does not exist. Consumers have to choose from the variety of offers their appropriate option. This is usually only possible with the assistance of a specialist.

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ZDF WISO Rentencheck: Identify pension gap early and close

Everyone plans their retirement differently. Some people can do it with little money, others need more. To find out how big the gap between need and statutory pension is, consumers are confronting their expected spending on old age , such as rent, possible loan installments, food costs, and planned travel, with their revenues . For many, the income will only consist of the statutory pension, the amount of which the annual pension information provides information. Even a pension appraiser can give a rough overview of how high the old age allowance will be.

Occupational pension: saving with the boss

Even those who have little money left at the end of the month can take care of their private retirement savings. ZDF WISO presents four ways, some of which can be realized with 50 euros per month. So with the company pension plan there is the possibility to provide together with the employer. Since contributions are deducted directly from gross income , employees pay less taxes . However, occupational retirement provision also has disadvantages. Not only are the full care and health insurance premiums due on the disbursed occupational pension. In addition, insured persons pay less into the pension fund as a result of the reduced income, which in turn reduces pension entitlements.

ZDF WISO to the Riester pension: Save with state funding

Another option for private pension is the Riester pension. Here, savers benefit above all from state subsidies . These are € 154 per year for insured persons and between € 185 and € 300 for every child entitled to child benefit. In order to receive full support, it is important to have at least four percent of the previous year’s gross income (including allowances) flow into the contract.

Interested parties should pay attention to the cost of the Riester pension . Because these are at the expense of the return. Which providers are recommended, shows a look at the Riester pension calculator. The higher the guaranteed pension for the classic tariffs, the lower the costs that the insurer collects.

Fund savings plan and home: saving with stocks and concrete gold

Also interesting are fund savings plans. Here, savers put on the stock market . They can also access the capital before the pension begins. However, consumers need “a bit of courage to get involved in the risk and to withstand market fluctuations, ” said ZDF WISO. Which fund savings plans are highly profitable, among other things Stiftung Warentest examined. However, since this test is already two years old, it is advisable to get several offers and to get individual advice.

Last ZDF WISO is on real estate as a private pension. Above all, the low construction rates make it possible to implement the dream of home cheap. According to Interhyp, the current interest rate on ten-year mortgage lending is just over 1.20 percent. For comparison: Five years ago, the interest rate was around 3.5 percent. The more equity future borrowers bring into real estate financing, the cheaper the loan.

Here you will find tips and further information on old-age provision. >

Anja Schlicht

editorial staff

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