Entry age at the start of insurance: Better to act in 2017

Many consumers are unaware that some insurance companies do not count their actual date of birth for the contribution calculation, but the year in which the contract is concluded. Anyone who thinks about expanding their insurance portfolio should therefore take action later this year.

Many avoidable mistakes when buying a property

Many Germans want to live in their own home. There they can switch and act as they want. A home is also considered a good precaution for old age. However, to make the dream of the house not a nightmare, there are some points that should pay attention to future owners when buying a home.

Savings behavior of Germans has changed significantly due to financial crisis

Ten years ago, life insurance was still very popular with savers. Two out of three citizens then relied on this form of investment to build up a financial cushion. But due to the financial crisis and the resulting low interest rate phase, the savings behavior of Germans has changed significantly. Now, real estate is the most popular savings system.

No money or ignorance: students are financially inadequate

At the moment, many first semesters are pouring into the universities, laying the foundation for their professional future. In order to be financially well positioned later on, it would also make sense for students to take their precaution as early as possible. But the majority of students not only neglect their financial but also their risk prevention.

Vorsorgeatlas 2017: Without precaution, standard of living is not guaranteed

The good news beforehand: According to the Prevention Survey 2017 by Union Investment, the German pension system works in three shifts to safeguard the standard of living in old age. However, especially young people need to use all three pillars. Otherwise, they are heading for a pension gap of around 800 euros per month.

Germans lose 552 euros a year through inflation and low interest rates

The Germans lose an average of 1.9 percent of their income through investments, the interest rate is below the inflation rate. Savers in Hesse are burning a lot of money due to the negative real interest rate: They are forfeiting 552 euros a year. Even in Bavaria and Baden-Württemberg, the combination of low interest rates and inflation is leading to significant losses.

Mortgage lending: Five tips advisors should give their clients

Future homeowners take a lot of money for their dream home. Often, the credit is in the six-digit range. Some mistakes, however, make construction financing much more expensive. But with the right tips, consultants can warn their customers of pitfalls and make a name for themselves as a competent partner.

New income limit for private health insurance

Employees have to earn a certain income in order to be able to switch to or stay in private health insurance (PKV). Now the probable values ​​for both the so-called annual earnings limit and the income thresholds for the statutory pension and health insurance for the coming year are available.

Home: Germans are in debt with an average of 258,000 euros

Last year, a loan, which consumers have taken to build or buy a house, was between 173,000 euros and 341,000 euros, according to the state. The most expensive loan was in Hamburg, Bavaria and Baden-Württemberg. The financing in Saxony-Anhalt, Thuringia or Mecklenburg-Vorpommern was much cheaper.

Providing with a Riester pension reduces the risk of poverty in old age


The German Institute for Old-Age Pensions (DIA) has recently addressed the question of how high the risk of old-age poverty in 2030 will be. If the pension level drops to 43 percent by that time, the number of pensioners at risk of poverty will increase from the current level of 18.5 percent to 23.8 percent. With a Riester pension, however, the risk can be significantly reduced.

Investment: to draw customers’ attention to negative business

Thursday, 25.02.16 , written by Anja Schlicht When investing the Germans continue to rely on classic products such as savings account or money market account. They are usually not aware that they lose money through the interplay of low interest rates and inflation. Consultants should therefore draw customers’ attention to the negative business and offer alternatives. 


With passbook investors make real losses

With passbook investors make real losses

Anyone who has deposited 10,000 euros on a savings account ten years ago will face a real purchasing power loss of around 800 euros at the end of 2015. For since 2006, inflation has only once been below the average interest rate that investors receive on their savings account for their money. Overall, savings book investors have made a minus of about eight percent due to the inflation and low interest on their capital. “Your bank deposits had after 10 years, taking into account inflation only a real value of 9,186 euros,” said DAB Bank. If consumers have put on a call money account , there was after all no negative business. But even the final score of real 10,120 euros hardly offers a reason to enjoy.

Passbook is a cash investment killer – a guaranteed success Dax shares

While the savings account as a financial investment has a real minus of eight percent, German stocks outdo with a plus of 70 percent – Although in the investigation period and the financial crisis of 2008 falls sharply with stock market values. Those who, according to DAB Bank, invested € 10,000 in the Dax in 2006, increased their capital to more than € 17,000 by the end of 2015.

Even if the perception is not new that low-risk investment products have been accompanied by a very low interest rate for years , consultants should use the results of the DAB Bank study to draw customers’ attention to the loss business with accurate figures. Only when they have realized this, consultants can successfully point out alternative ways of investing.

finanzen.de Tip: There is often little interest among consumers in investing their money in high-risk assets. However, as a consultant, you benefit from our consultancy service: By purchasing investment leads, we bring you together with clients who are interested in consulting and want to say goodbye to the classic savings accounts and the like. As a result, you do not have to arouse your interest in finding new investment products, but you can immediately focus on your core competency, personal expert advice.


Health and Care Reforms: Spahn sees many things

Thursday, 01.03.18 , written by Annabell Meyer If the members of the SPD vote in favor of the grand coalition, Jens Spahn (CDU) is likely to be responsible for health and care. Its tasks include curbing the skills shortage in nursing and reducing the differences between statutory and private health 

 Reformen bei Gesundheit und Pflege: Auf Spahn wartet viel Arbeit

The GroKo plans many changes in health and care

  • The SPD and Union envisage some changes in the coalition agreement to address existing health and care issues.
  • There are a number of challenges awaiting the designated Minister of Health Jens Spahn.
  • Its core tasks include, for example, a stronger alignment of statutory and private health insurance.

Particularly in terms of care, a lot has changed in recent years under the previous Minister of Health, Herrmann Gröhe. But the CDU politician leaves his designated successor Jens Spahn some difficult tasks. In addition to the creation of more foster homes and a better pay for nurses, this includes, among other things, a greater alignment of statutory and private health insurance. A major challenge for Spahn is to bring together the different interests in the health and care sector in the best possible way .

Nursing improvements: Spahn supports GroKo plans

The Minister of Health Gröhe has initiated a comprehensive care reform with the Nursing Legislation, which has brought numerous improvements, especially for those in need of care. The controversial Nursing Profession Act is also intended to polish up the reputation of the nursing profession.

In addition, the SPD and the Union have stated in the coalition agreement to create around 8,000 new nursing care posts and to pay nurses faster in the future according to the collective agreement. In front of the editorial network Germany, the designated Health Minister Spahn explains: “We will increase the training capacities, improve the pay and the collective bargaining coverage in the care.”

How these projects are financed, however, is not fully understood. It also seems unclear how the newly created posts can be filled. Already, fewer and fewer people are choosing to take on a nursing profession. Whether the intended appreciation of the nursing profession can counteract here remains to be seen.

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Adjustment of fees: Do doctors get more money for health insurance patients?

Citizens’ insurance could not enforce the SPD in the coalition negotiations. Nevertheless, the Union and the SPD have agreed to reduce the differences in treatment between private and public health patients in the future. Among other things, this includes a possible reform of the doctors’ fees. Currently, physicians receive more money for the treatment of privately insured persons than for legally insured persons, which results in preferential treatment. This could change with the new Health Minister Spahn. “We must also, as agreed in the coalition agreement, talk about the compensation of doctors for health insurance patients, ” he tells the editorial network.

In order to reassure citizens of the dual system of health insurance, GroKo also plans to finance the contributions to the statutory health insurance (GKV) on an equal footing in the future and to counteract the shortage of doctors in rural areas. In addition, Spahn wants to ensure that there are no longer any differences in appointments in the future. “Privately and legally insured must be able to get a doctor’s appointment in the near future,” he emphasizes. For self-employed persons, the coalition agreement also provides for a lower minimum contribution to statutory health insurance.

Health insurance contributions vary greatly

Even if the employer participates in the overall contribution to the statutory health insurance in future, the costs continue to differ significantly. In order to find a cheap yet powerful cash register, it is therefore advisable to contrast different offers.

Private health insurance: insurers hope for reforms

In the private health insurance (PKV) could also be imminent changes with the new federal government. Similar to many insured, the increasing contributions as well as the lack of flexibility in old age are a major criticism of private health protection for Spahn. “Once you commit yourself, changing in later years is harder than a divorce. Anyone who has to pay more and more contributions certainly comes to their pondering age, “says Spahn. In his eyes , the PKV therefore “massive need for reform” .

That’s exactly what some private insurers hope for. In order to avoid large jumps in contributions in old age, the companies want to adjust the cost of insurance coverage by means of a change in legislation in the future uniform, said the chairman of the private health insurance association, Uwe Laue, the Süddeutsche Zeitung. The association has been aiming for such a change for several years, but so far without result.

Here you will find tips and further information on the statutory health insurance. >

Annabell Meyer

editorial staff

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