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Investments should ten expert tips what to consider consumers in financial crisis Mannheim, October 14, 2008 – the people’s confidence in the financial world is severely shaken. The media pick up the anxiety of investors and offer expert discussions, chats and forums, in which savers can put their questions. But to read or listen to what the consumers for the safeguarding of the money can actually do is just rare. Investments ten expert tips what should consider consumers in financial crisis 1 money does not belong under the mattress ostrich does not help. Under the mattress or on the checking account you get no interest and thus not even inflation compensation. Money market accounts, such as direct banking and deposit accounts are currently well remunerated and secure.

2. movable remain fixed equipment are not suitable, because you need your money, sometimes within a few days, so day money account and the new day bonds are a good alternative. The day loan works like a mix of a readily available day-money account and a floating-rate bond. Day bonds are tradable at all times and the purchase is free of charge. Money market funds, you should rather avoid: these funds receive short-term financial investments (from one day to 12 months). Often high costs in the form of management fees to bring. On the basis of uncertain\”securities debtors (issuers), they may pose high risks. 3.

plants on a safe financial institutions make all credit institutions are subject to a statutory scheme. Typically 20,000 are protected. In addition there is called the deposit protection fund of private banks, also fire Fund in Germany. This fuse goes far beyond the requirements of the EU. This backup, credits per investor be secured up to a height of 30 per cent of the equity of the Bank. As a result at least 1.7 million per investor, large institutions are much more.

Acquisition

A careful, free interest rate comparison helps a construction financing Berlin save thousands of dollars – when it comes to the selection of individual construction financing, private households may be not careful and prudent enough. In the new, free online rate comparison on immokredit24.com builders and purchasers of residential property from now over 50 vendors and their offerings can compare, select the appropriate financing and start your request online. The free interest rate comparison is worth money, because even a few percentage points can add up difference over the years of a construction financing to thousands euros, which elsewhere are missing or have found a better use. Individual mortgages are no more a hurdle in this day and age for many families. Official site: Facebook. Even with little or even no equity financing partner can be found, that help fulfill the dream of homeownership or the condo on fair terms. This development has in recent years to a rapid growth of the provider market for Financing led, and also the complexity grew with the complexity. Future builders or purchasers of residential property are therefore well advised prior to the search for an appropriate form of financing with the essential basic knowledge about home financing and real estate loans to equip themselves.

Independent financial experts recommend long to compare interest rates promised by the financing providers especially in light of the broad and deep-tiered market, the conditions always carefully and comprehensively. The free interest rate comparison on immokredit24.com is completely non-binding and offers an effective and practical way for exactly that. In just a few minutes, the interested party can enter his personal and project data, and start the comparison calculator. In addition, immokredit24.com offers a comprehensive information service about all forms of mortgage lending, savings and real estate loans. In the part of the Advisor is also about funding opportunities in ecological construction methods, as well as the tax benefits in the Acquisition of monument real estate information. Construction financing test winner in comparison:../baufinanzierungen-vergleichen.html

Financial Security

The financial security of retirement is the drangenste problem of our society. The State can not alone cope with this task. Oracle has compatible beliefs. Private provision is essential – the sooner, the better. The fact is: who wants to maintain his standard of living even in the age, can no longer the statutory pension insurance rely on. The difficult situation on the labour market and demographic change make impossible a sufficient State interest. The for decades practiced procedure, where now paying workers for the protection of pensioners, is an anachronism.

Private pension plan does not. At what age must I think of my pension? As soon as possible: early starter back up the private pension benefits. You can do with much lower deposit than savings muffle that only worry later about a possible retirement funding. The compound interest effect makes it possible: the longer your money for you works, the greater the profits. An example: If you consistently save on interest rates, the usage at a yield of seven Prozentjahrlich doubled almost every ten years. After 20 years approximately 3800 EUR from 1000 euro, after 30 years are even more than 7,000 euro. Why should my pension be dynamic? The modification is to prevent, as the general inflation reduces the value of the pension capital over the years.

So there is the possibility to adjust the insurance protection from time to time when life insurance companies. So the amount of remuneration – raised in dynamic services from a private pension insurance usually annually – by an agreed percentage. However, this has its price: the rewards are in the deposit phase on a regular basis also to a certain percentage every year or every three years) increases. How many times must I occupy myself with my pension? Retirement is not unique action, but a permanent process that requires a periodic check. From time to time make a Kassensturz. In the course of the life your living conditions change continuously. Starting from the first job, marriage, family, eventually divorce, disease, home financing, or heritage there are many areas that significantly affect your situation. It is important that you can keep your retirement in the eye it and to react flexibly to the new situation. When choosing the options are therefore flexibility and availability of important criteria. The compounding effect on saving interest and early start: longer works the money and the interest rates are higher, the assets will be greater.