May And Dawn Doujinshi

Turn on the Turbo, for your retirement ...

It has already been mentioned. In addition to the Riester pension is under the layer 2 of the pension nor the way occupational pension schemes (occupational pensions) are used.

The principle is simple: the employer says the worker with a pension in certain ways. The obligation to him arises from the promise to his employees, he forests from an insurance company in which he concludes a supply contract. The employee is the insured person. The fourth instance is then there's the state that helps with special promotions.

be either the contributions entirely paid by employers - virtually on the top level, or - in most cases - will be converted at the request of the employee's salary parts (deferred compensation). These contributions are up to 4% of the income threshold tax and social insurance contributions. This was in 2009, an amount of max. 216, - € per month. (2010: estimated 220, - €). In the performance phase resulting from the occupational pension benefits are fully taxable then. For statutory health insurance it is likely that the specific dimensions to health insurance contributions (for the first 10 years of service phase)

The tax and social freedom the contributions are made by the company pension plan high leverage. This means that the employer high contributions flowing into the contract, but cost the employee net considerably less (net foregone), as we can clearly see from the examples below:

Our workers (35 years old, single, 30,000 , - €, 40 € VL, of which 26, - € by CL) 3 proposals have been made (all calculations with the Dr. Kriebel consulting computer )

Proposal 1 (left column): he invests only his VL in height 40, - €; run down his contract but € 85.06 per month.

Proposal 2 (middle column): he invested an additional € 30.81 (Nettovrzicht) and his contract now flow already 150, - € per month

Proposal 3 (right column) : To receive the full amount of valid for 2009 216, - € exploit monthly, must be our only workers spend an additional € 62.36 .

Since 2002, the employee even a legal right occupational pensions.

Nevertheless, there is at the employer, especially among workers, more non large uncertainties with the pensions module. Experts say, however, preceded him in future major growth.

For employer offer the classic implementation channels of direct insurance and pension not only high ease of handling and administration, but also a whole number of other benefits .

more information, see the following links:

How does the company pension scheme (occupational pension)?

What the company pension scheme (occupational pension) is?

What are the benefits of company pension schemes (occupational pensions) for employees?

What are the benefits of company pension schemes (occupational pensions) for the employer?

How can I take the company pension scheme (occupational pension) to use?

What happens in case of insolvency of the employer?

What happens when an employer change?

Give So right now, no more money, but convert it to profit for your retirement. Not infrequently, the employer gives even the social security savings, which he by his employee's salary conversion achieved (in part) to it on ... it is worth even more!

Perhaps you think of the next salary negotiation it. Why not invest the salary increase in the company pension plan? One thing is certain: it works more money for you, as if can you pay it after tax and social security contributions ..

Small Black Bump On Anus

And what is the Rürup pension?

The technical term for the Rürup pension is "basic pension". It was named after the financial expert Bert Rürup and will safeguard the sustainability of the compulsory social systems. The base pension is another by the state through tax relief funded form of private pension plans.

It was introduced under the Retirement Income Act that is to come 01.01.2005 force. Under this Act, the taxation of pensions and the exemption from contributions to statutory pension insurance and just settled for the basic pension. Of the citizens of his time was noticed rather the elimination of the tax-free withdrawals of capital from private life and pension insurance, which was driven by strong advertising industry in the media.

How does the basic pension? Who is it for? Here are the answers ...

It speaks of three layers of old age, which differ in their support of the amounts of savings and the taxation of benefit payments.

The layer 1 includes the contributions to and benefits from the statutory pension insurance, and contributions to and benefits from occupational pension schemes and basic pension. Their treatment is the subject of this post.

to layer 2 include Riester pension (see specific post) and the company pension (occupational pension schemes - see specific post). Anticipated: here are the contributions tax-free up to certain limits or promoted and the future benefits subject to taxation completely

to layer 3 includes all other forms of private provision (life and annuities, Fund savings plans, etc) subject to any promotion in the savings phase. The taxation of the age-related benefits from it are individually adjustable.

back to layer 1, which will occupy us here.

Consider first the implementation phase, which is easier to understand. In short, the year of retirement and to receive benefits is crucial (so-called pension cohorts). If the insured person in 2010 to retire, so is the taxable portion of his pension benefits from the German pension insurance and / or its basic pension at 62% ('62 retirement cohort). He refers for example a pension of 1,000, - € per month (12.000, - € per year), the subject of which 620, - € (7440, - € per year) of the tax. Whether it is now actually incurred a tax payment, depends on the total income of the insured. Insured in our example above, If unmarried and he received only the pension, he would remain exempt under current tax law.

The taxable proportion increases each year until retirement for age groups from 2040 and later increased to 100%. (100 pension cohort). In our example, it claimed that the entire 12,000 - € tax.

Now for the accumulation phase: allowed

The Retirement Income Act it only up to 20,000, - €: - invest in the layer 1 (married € up to 40,000), contributions to professional permanent supply works and statutory pension insurance will be credited here diminishing. In addition, the employee paid tax-free employer subsidy is taken into account.

From the amount actually paid a portion of the year shall be the direct payment of tax. The amount of the tax-reducing contribution rate depends on the year of payment and increases from year to year. In 2009, 68% taken into account, in 2010 there are 70% and the proportion rises further until it is fully taken into account in 2025 (100%).

Thus, it allows the insured Rüruprente his old age with some high tax to supplement funding. (Can not even Riester !) It is ideal for freelancers is also interesting for employees. The advantage of the special payments, it allows even extremely "income tips" to take on the progression. A typical approach is to take out a tax-financed Rürup pension for which the contributions calculated over the years are such that the sum of deposits and the Steuerrückflüße are balanced ( pension for free - see example below).

Now it is of course not be the case that the tax benefits from the savings phase in the later phase power must flow back to the treasury. That would only have been an exchange ... Reputable providers will charge you may, if it's worth actually a basic pension. Of course, this can be done only approximately, since the Ergenis very much on the tax rate for the age and the then current tax laws depends. The former is still considered very good, we can still meet for second only requires a statement. Since this "planning uncertainty" applies to any form of welfare, should this be any mistakes allowed here.

Now let's look at the considerations outlined above example of a 35-year-old, unmarried employees with 30,000, - € in annual income who wants to make his tax-financed pension Rürup full. This is clear from the graph below (the red areas above and below the zero line are "congruent"

Let's look at the table (only an excerpt from the years 2010 to 2025) to get even closer. Of the 972, - € (12 * 81, - €), which flow into the contract, be 461, - € (227, - € + 234, - €) disputed by tax returns. The funding rate is calculated as the ratio of tax refunds and net charge (461/511 = 90.3%). From the year 2025, the reimbursement is higher than the annual contribution.

Incidentally, the effect already starts for single persons with annual income of $ 22,000, - € (tax-financed amount: - per month € 42). In a Couple with one child, mother not working begins to promote already at an income of 25,000, - € (tax-funded review, however, only 17, - € monthly)

Big Green Egg Build Table

How does the Riester pension?

In 2002, the so-called Retirement Savings Act into force, which was at that time by the then Minister of Labour and Social Affairs, Mr Walter Riester introduced.

To assess the contribution to statutory pension insurance not to have to increase further, and thus to be simultaneously rising wage costs (a threat to the jobs that this will always be more expensive), has The federal government first decided to pay the citizens to build or supplement his Altersvorsorgung uncommitted grants.

The private pension with a guarantee, in the vernacular soon " Riester pension ", was born.

But since not contributing to public pension could be adjusted as necessary, it followed the same time a reduction in pension benefits for the insured. On average, this reduction is 10% compared to the vesting date under the Act.

Simplified saying, the Riester pension allows the citizen to absorb the newly established pension reduction using state funding to make up often and sometimes even more than compensate. Yet another way: for those who takes his retirement seriously, the Riester pension (and the Rürup pension - see that post), no alternative but a must!

Dear reader, you should therefore have taken in any form (life insurance and pension, mutual fund savings plan, etc. ..) so far traveled care, then you can not convince themselves that in favor of a geförderteten Riester pensions Treaty cancel. you need both!

Now back to the question asked: How does shoe uppers?

The citizen pays 4% of the insured income of the previous year in a certified criteria for Riester contract. In the approach, the social security income to gross income of the employee are considered equal. The amount thus calculated is called the gross contribution (max. 2.100, - € per year), then the set of the subsidies are removed. It is the net contribution, that is the contribution that should be applied in fact by the policyholder. special case: If married savers and the partner is not employed or self, so that partner will also receive an allowance in a separate contract, without his having to pay their own contributions must be (So-called indirect allowances ability !)

following allowances are included in the contract :
- basic allowance: 154, - € per year
- Children's allowance: 185, - € per year per child (if the child allowance is paid!) For children born after 01.01.2008 raised € - were born, this allowance was to even 300.
These allowances will flow directly into the selected Investment. is
The tax return also automatically reviewed by the tax office, if the gross contribution to a tax saving, which is higher than the sum of all allowances received. If this is the case, then the saver, the difference paid. Would lower the tax savings, there is no charge-back: the allowances are paid in each case in the contract!
fall during the savings phase not pay taxes. The later paid the pension is then subject to taxation (deferred taxation)

Here are two examples (The calculation was, as usual, created the Dr. Kriebel consulting computer):

first A family with two children (born in 2008 and 2009), the wife is not working, the family income is 30,000, - € per year in the national average. The gross amount is accordingly at 30,000 € * 4% = 1.200, - € per year.

with 292, - € own contribution come for this family 1.200, - € in the contracts. This corresponds to an initial allowance rate of 411% (for a saved € € 4.11, the national government to !!!!)

second A single person with 60.000, - € gross annual income. Here, the gross saving rate is 60.000, - € * 4% = 2.400, - €, however max. 2.100, - €. With him, however, be joined by high tax-saving effects.


more examples, see here .
information eligible persons you get here . Calculate 'd like to submit, how high your personal allowances and your own savings would share.

Since 2008, the product range to include the so-called Home Pensions ( home Pensions Act ) expanded. The principle in brief: the allowances to flow in a building society (savings and / or loan phase) or into a mortgage loan, rather than being in a pension fund or savings plan. Since - as with the conventional shoe uppers - no pension is formed that can be taxed, and principal payments will be for the purchase of dwellings taken from funds on a fictional account "created", with 2% interest until retirement and then taxed.
This model, however, has for its purpose limitation and his hooks and eyes. As always, the first accurate needs assessment, and then the "diagnosis", read: which model is suitable for whom?

Home Pensions in the News:
living Riester: saving model with pitfalls
The gift that nobody wants
living Riester threatens to flop be
living Riester is the first choice
Real Estate - For whom is worth living Riester .

How To Make A Korbel Mimosa

up exchange!

What qualifies a minister actually to the Minister? What must one be a minister? Must be able to delegate? Must be able to manage? Must be able to sell public good?

of everything a little. But this apparently does not play a role in the occupation of a ministerial post, has knowledge or expertise. How else to explain that change her portfolio Minister, like other people your underwear? Today, Family Minister, Minister of Labour future, as in the case of Ursula der Leyen. Or Schäuble: Interior Minister yesterday, today finances. Even the now retired Young has a spectacular change behind, from the defense and the unemployment front.

Who first climbed the ministerial level, is obviously versatile. Mrs von der Leyen, who is actually a doctor, has never received the required health department of her is probably pitch. But the career is still long. Von der Leyen is comparatively young and not a political change in the land in sight. She may have the next round of dismissals and cast more luck.

The media have this funny little game the way you change nothing to say. The professional qualifications of a minister is almost never questioned. Take this cabinet reshuffles out easily. A Westerwelle to foreign policy never had the hat. Dirk Niebel until recently did not even know how to spell development in general. All this is mentioned in the press than in passing. Genuine criticism or protest to read rare.

course work on unit-level officials and absolute total professionals in the ministries, and some might be considered that this is sufficient. But a minister is only as a PR man, who must sell the innerministerialen decision-making process of the press and Parliament? Hardly. And if it were so, one must say: it also there would be more suitable candidates.

way: in Brussels, things are no better. The new EU Commission, whose composition was announced today, is the best example. While logic dictates one's that initially the Commission's responsibilities will be distributed to the Member States so that it can choose its most capable man (or woman), it is in reality, unfortunately, the other way around. The states choose whom to send to Brussels to be surprised like this then that department is the one.

That is (and it must say so hard) pathetic!

supplement : today is to read tagesschau.de following: " only 32 years old and not well known. Kristina Köhler Family Affairs As a sociologist with the skills they bring it," says the Chancellor. "

Yellow Jack Dempsey Fish

Bologna - only half the battle?

The Bologna process and the introduction of Bachelor and Master system forces the EU European comparable degrees. This is reasonable in view of the integration process of the EU and a growing internal labor market.

stay But where the efforts for a single European higher education access ? students all European countries, torture is now in the Bachelor's program around with full schedules. make efforts to access these courses are comparable, but nowhere in sight.

This leads to strong in the face of European freedom of movement distortions and burdens of individual countries. The most obvious is the problem if you look to Austria. The local universities have no general restrictions on access. German students who fail in their home on numerus clausus soft, so happy out in the southern neighboring country. This leads to chaotic conditions and overcrowded courses. In Salzburg enroll now a faculty at some more German than Austrian students. In Belgium, there are similar problems with students from France.

These observations point to an open construction site during the "output" (ie financial statements) of European higher education is standardized, the design of the "input" (access) in a fragmented way. The entry requirements vary from state to state, as are the tuition fees. This leads to inequality and injustice. align

aspirations to higher education in Europe would also need to a huge political effort, to which apparently no one feels called. With growing integration and pressures for individual European countries, this issue will no longer be pushed to the backburner.

Were To Get Wooden Fingerboard

cloned bad!

EU Commission President Barroso

Wombat

Make Your Own Wrestling Hose

radical act!

On the current crisis in the first FC Cologne

date was on the defensive as a life insurance of the FC. In seven league games they had previously conceded only two goals (against Leverkusen and Hannover) and five times to zero Stasi ( against Stuttgart, Bayern , Gladbach, Mainz and Berlin). That fact has misled away regularly about the disastrous offensive performance and contributed to the fact that you yourself log pocket.

After Hoffenheim game (a renewed declaration of bankruptcy) that is different now, also because only you Hoffenheim negligence only 0:4 lost. In this Constitution, the FC has no place in the Bundesliga nothing. This is particularly tragic because the squad had promised her by the name actually much more.

But something is wrong with the team. Team spirit on the pitch no longer be seen. Everyone plays for themselves, there is no cooperation. With Podolski, Mondragon, Maniche, Petit and Novakovic too many chiefs, too many alpha-male on the court? Is there envy and jealousy? Such questions are a godsend for Udo Lattek, who has been years in the DSF-two with such problems. Now he spoke in Express to FC (also because this editorial in the double-pass from Reasons, it is rarely possible): " Novakovic defends its place as top dog and Podolski noted that he is not playing with him."

If such vanities really the reason for the bad condition in which there is the team? And how far into the coach is responsible to make sure?

As an outsider, one wishes actually someone who plays in between the skin properly. Someone who appears along the right and failure forces them to fight each other for success and put their petty personal feuds aside. Overath struggled with inflammatory speeches, but have been proven unsuccessful. Soldo has apparently not Authority in the team. However, the management holds on to it for now.

What steps can Soldo taking with regard to the Bochum-game (and the rest of the first round) now? My suggestions.

1. He has to prune the alleged Leitwölfe. Podolski is already locked. Novakovic and Brecko (the "Party-slow") deserve a pause. Without Petit, the FC last looked better than with him.
   
2. sit on the bench faithful souls who have always given everything for the FC. They should build on it now. I mean especially McKenna and Matip.
3. Soldo, the youth have hardly given opportunities. These players play some since childhood FC. He should throw for a few games into the cold water. What they lack in class, they are offset by the use. Anything but no more apathy on the court. Magath and Schalke have demonstrated it.
4. If Novakovic still drives his ego-trip, one must consider him to be relieved of his captaincy. With Mondragon and McKenna is a qualified replacement ready.
   

These proposals are radical. And it is doubtful that Soldo will show such courage. That is exactly but also what is against him. Who in extreme situations, afraid to take the right action that is not a good coach and must be replaced.

My up against Bochum:

Mondragon ----------------------- -----------------

----- --- ----- Schorch Geromel Mohamad ------ ----- --- Matip

--------------- McKenna Pezzoni ------- ---------------- -----------------

--- Chihi Yalcin- Ehret ---------------- ----

------------------Zielinsky/Ishiaku------ ---------------

New Breast Groping Vodeos

(K) a star that bears his name?

The horrible secret of the Magi.

What would Christmas be without the Christmas story? In time for the celebration of love in many places it is again confronted with the actual meaning of all this Feierei. To be particularly eager to do this, the Jehovah's Witnesses produced that can stop him, not even from an apartment on the fourth floor without lift.

! "Awake", the monthly Investigativblatt of the witnesses reveals ruthless in its December issue: the three wise men from the East were charlatans, the star is nothing more than a mirage. Here, the witnesses shall ruthlessly against the Christian mainstream.

questioning the newspaper: "If the star at all naturally explainable Was actually divine providence in the game?" To answer these problems, use the witnesses an unprecedented negative and smear campaign.

The so-called wise are not academic in the modern sense was, to say be there. German Bibles designated them as "magi", which is merely a better word for "astrologer," the paper wrote. For the scientific community course that is an affront that is like a low blow to the genitals. The gauntlet is on the ground.

But it will not. Frech are the three ways in sealed ("[...] hallucinations it is said of them, only they saw the star. "). Was the star that is nothing but a possibly alcohol-and drug-conditioned fantasy? "Would it have been a real star [ sacrilege! , note], he would almost all have to catch the eye!".

interim conclusion: three esoteric horoscope writer and card reader to follow an imaginary noise in the illuminated object for weeks through the deserts of the Middle East.

But the witnesses (apparently The New Blood) by the poor can not reject. If they were by no means harmless hippies on the way into the light. No, it had been political traitor. Your imaginary light, it had first straight to Jerusalem, King Herod in his arms out, "a" mortal enemy of the future Messiah. Only after this fraud led the star the wise men to Bethlehem, so the baby Jesus will be out in the highest danger.

"Behind the Star must therefore have put an evil force, most likely Satan "

Ah, Satan ... Jesus' Nemesis, his old nemesis What an ingenious plan of this diabolical masterminds Or not

Let us time together:..? Satan get wind of the birth of the Messiah. His vassals and governors on earth, King Herod, is to swing the sword, which wipes out the baby Jesus. But thanks to God magic Providence, Satan is not possible to communicate directly with Herod. Perhaps even guarded angel earthly sphere to keep all the messengers of the underworld. Satan must therefore access a trick to "lying signs and Wonders "(2 Thessalonians 2:9). He invented the star-like appearance in the sky. But unfortunately, only the stoned hippies from the East in a position to see the phenomenon. And so she sent Satan on an endless trip direction Bethlehem. myrrh and frankincense they had of course long since clouded the brain when they arrived in Jerusalem, so that they could neither Herod to be understood, on which journey they found themselves, yet were able to compel the young child in the manger something.

soft drug that is ultimately saved the life of Jesus. God wants, then, that we legalize it. This is the witness of course zupass who already have a large army of representatives who daily from door to door hurry.

Helen And Kumar Bottomless Party

cloned bad!

How To Fold Fan Serviette

(K) is a global actor - the EU after Lisbon

European leaders have agreed to grant the two top posts at Herman Van Rompuy and Catherine Ashton. This is seen in many international media as the (temporary) end to the global ambitions of the EU.

"After the European Union's eight-year battle to rewrite its internal rules and to pass the Lisbon Treaty that created these two new jobs, the selection of seeking low-profile figures Seemed to highlight Europe's problems instead of its affairs readiness to take a more united and forceful place in the world. " ( New York Times )

" For nearly a decade, EU politicians have been wrangling about a new rule book, calling for Europe to stage equip itself with leadership posts that would help their club to stride the world. Yet by the time national leaders arrived at a Brussels summit to fill the new posts [...], their boast and ambition were a sad memory. " ( The Economist )

are the strategic decisions of the Union but not in uniform and made a deliberate manner. Instead, the leaders negotiate on European Council on the direction in which to develop Europe, and the respective national interests were always in the back of the head.

Angela Merkel and Nicolas Sarkozy in the Council take a leadership role. On " Merkozy " Tandem is currently in Europe by no one. France pushes for even a stronger cooperation between the two largest EU states. Britain is the EU's traditionally skeptical. And David Cameron is elected next year is likely to an outspoken EU critic of British Prime Minister. That the Franco-German Tandem in the foreseeable future, a tricycle is so unlikely.

Gordon Brown, Britain's current prime minister, has failed in the negotiations on the composition of the council president with his candidate (Tony Blair) in the resistance Merkozys. By Tony Blair, many observers a clearer and more visible position Europe had promised in the world.

Blair's futile attempt
Several factors led to failure of the (unofficial) Blair's candidacy:

• a fundamental rivalry between the Eurosceptic United Kingdom and the block to Germany, France and the Benelux
• the aforementioned convergence between Merkel and Sarkozy recent weeks and months
  
• party politics: Merkozy's conservative camp proclaimed the post of President of the Council itself. Gordon Brown (and Tony Blair) are from the Socialist camp. The PES quickly focused on the post of High Representative for foreign and security policy.
• a fundamentally different understanding of roles and influence of the future President of the Council

The last point is crucial. Here reveal strategy differences. Gordon Brown urged (including the Economist and the Guardian, according to) his Social Democratic colleagues: "You need to get real." He said by Tony Blair as a unique opportunity and warned of a "permanent irrelevance" of Europe, in the case of the nomination of a lesser-known politician.

Merkozy, on the other hand, have no interest in "political star" of them steals the show on the international stage. For if a man Franco-German tandem could jeopardize their political dominance, it would be a man of Tony Blair's formats, especially as British.

Global ambitions
The European Union will continue its role as a global player must first return again. Merkozy have the implicit direction armed with the installation Van Rompuy enforced. Foreign policy, and they remain internationally for Barack Obama and other leaders also continue to be the first point of contact in Europe.

This means on one hand the risk of marginalization of European influence in a future world-G2, dominated by the U.S. and China. Also, because Europe is still fragmented voice heard.

other hand, Tony Blair for Merkozy would have represented an incalculable risk. The Office of the President of the Council has yet to be defined design options. While Van Rompuy the humble administrator and moderator will mime, Tony Blair would have interpreted the office may have more in the direction of "President". His political experience and international reputation have made him a sought-after partner, both in the media as well as foreign heads of state. These prospects are likely to have fallen Merkozy not necessarily.

tragedy for the international supporters of a strong Europe should be the fact that the first incumbent will also contribute significantly to future definition and refinement of the Office. The second EU Presidency will be guided by Van Rompuy established procedures. He will have less space to maneuver.

Nevertheless, the hope that the EU leaders courageous in filling in the future, if it is clear what options The Office provides (and what it not offers).

Samsung Straight Talk Blue Tooth

needs assessment

Would you, dear reader, dear reader, can tell right away how much your assets for your retirement needs is to measure?

My experience of the past 17 years shows that people underestimate this most ... They do have their own life insurance that pays the age of 65 30,000-€! And that should be enough but in addition to statutory pension! I know that this statement is certainly something formulated Salop, yet it is not far from the truth. "Understand" Many of their pension information not in the way it is meant and interpret the figures in those publications false (see the Post: "How do I check my Pension information "on this blog).

I want you, dear reader, dear reader, give in this paper, a feel for the necessary amount of pension. All calculations were performed here with the EinSeitenPlaner of Dr. Krieg-Beraungsrechner made ( http://www.beratungsrechner.de/ ) For our calculation we assume a 30 year old average earner ( 30.000, - € gross annual income ). He is single, will go with 67 years in retirement and would in our example. a pension build that 1.200, - is € - € per month below its current net income 1545. His reasoning: at the age he has less spending on clothes, no more trips to work and will of course be / he will also save anything.

The first step is to determine the required assets, including the compound interest: would suffice (here 4% pa) to meet the lifelong needs. The commencement date for the calculation is clear: the retirement age 67th Of course, beyond the end only "speculation" are. We are working here from the statistical life expectancy of 30-year-old man, which can be identified with appropriate databases to 92 years. (In this module "life expectancy").

figure 1: asset demand without inflation





Thus, we determine an asset needs of 229 832, - € of 67 Of age. To repeat: this amount is sufficient, the rate of 4% per annum and is, our 30-year-olds up to his 92nd Age (random death) to set the pension of 1,200, - € to secure a monthly basis.

says Well our man, if he of 1,200, - € speaks demand, not the time in 37 years, but what he can now buy it. And here we are almost already at the Master began planning mistakes: forget the savers inflation brought about by the loss of purchasing power. (The concept of inflation, I have already discussed elsewhere - see blog "Finance to touch"). The average inflation rate is 3.1% for the last 38 years, in recent years, it was around 2%, we therefore expect a rate of 2% per year. The result is shown in Figure 2

Figure 2: Investment needs in light of inflation

In my conversations is the customers here are mostly for the first time struck by the calculated values. What do they mean? Basically, this means: you need in 37 years, with annual inflation of 2% of an amount of 2 497, - € to buy is what you are now 1.200, - € costs. "feel" you can be the effect of inflation, if you answer the following questions: what cost the ice ball as a child? What they cost today? What you paid your parents for the newspaper? What do you pay yourself? Accordingly, the balance requirement is 67 years of inflation 588 621, - €!

course has already taken our 30-year-old provision. First, he makes before the statutory pension insurance. Here he expected to be 1532, - € with 67 years of age (Figure 3). He also saves 50 per month, - € in a private endowment insurance, the 67th with the Lebsnjahr is paid (Figure 4). If we consider both forms of screening in its planning reduces the need to 205 105, - Euro. This is still a lot of money, yet more than half done. (Figure 5)

3: BFA pension rights

4: Private KLV

5: to score current pension

Now that were needed and identify current supply situation, there is still calculate what would save our 30-year-old to close its shortfall.


A first approximation: it would generate for his savings amount to no interest, he would have put € 461.95 per month to the side (205 105 37 years 12 months). If we assume the 4% pa, we have adopted for the extraction phase, the amount drops to 282, - € per month - even if that amount is beyond the pale. We know but elsewhere ( time and return ) that can be achieved over long periods of higher returns. We are expecting 7% pa and a dynamic adjustment of the contribution of 6% each year, the initial savings amount is here at 60, - € per month .

We note here that the secret lies once again in the time factor and the early start of the savings process!!


In further steps we will deal with the forms of savings, which for our Savers are also suitable.


(c) All calculations and graphical presentation were performed with the computer consulting Dr.Kriebel created

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read correctly Bfa your information?

Since 2001 is every worker an annual information on the status of his pension account Rentenvesicherung sent to the German (formerly BfA Bundesversicherunsganstallt for employees or LVA - Landesversicherungsanstallt). This was the time by the then Labour Minister Walter Riester festgschrieben law.

The purpose of this information is the one, the citizen an overview of the recent its income data entered to gain (so-called accounts clarification). If you, dear reader, dear reader, while a defective item or even entire period of employment are missing, so I recommend you try immediately to clarify it. Imagine, you would need in 20 to 30 years to bring about evidence, perhaps even at one of your former company, which does not exist for a long time!

course you can apply at any time even a pension information . It is enough to have your policy number handy.

would like in this text However, I draw your attention to the interpretation of the published figures to draw. Many lean namely at the sight of your bonds left behind ... But see for yourself ..

Figure 1: Extract of a real pension information

Although our information comes from 2007, but have lost nothing of their meaning.


Our insured is 49 years old and earns 1430, - € net per month. She has always based their entire working roughly the median income.



The German Pension Fund predicts her a monthly pension of € 899.88 with his 66th Of age.


points in the text itself to him, two other forecasts ....





1080, - € for 1.0% annual rate of adjustment and 1310 - € 2.0% annual rate of adjustment


tell us what these numbers really ?


The secret is once again at the time of viewing. Our worker might have to look with optimism to their third age, the numbers in almost promise but their current Net income. Only they receive their net course TODAY, pension, but only in 30 years, which is TOMORROW ... And in between lies again ... the effect of inflation.



we go again by an average inflation rate of 2% per year, so it looks to our insured as follows:

2: Bfa quick check



This creates for our insured under the assumptions optimistischten still a shortfall of around 600, - € per month. Now was the amount of the pension adjustment in the average of the last 10 years, not at 1 or 2%, but with only 0.87% . Had the federal government this year is not fixed by law that pensions should never be reduced, it would have actually in the years 2010 and 2011 due to the net wage to decline in Germany. At best, the German pensioners in the years expect a pay freeze.

Now we face only once, our sample woman lives for rent .... Today, she pays for their small apartment 400, - € per month, in 20 years, this would be about 600, - € .... Now distribute the rest of your pension on the areas of "extra costs", "Eating, drinking, clothing," "Arts ",.....