Questions about money
Nursing supplement insurance makes sense?
I am 50 years old and considering to take out a supplementary care insurance. On the other hand, I think that you can not and must not insure against everything and everything. Is that a really important insurance?
I mean already! A 50-year-old woman today, statistically, has the prospect of becoming 94 years old. Because women have a significantly higher life expectancy than men, unfortunately, their risk of becoming a nursing care, is significantly higher. The statutory long-term care insurance pays € 1023 per month for care level I and home care, and € 1279 and € 1470 for care levels II and III. For a home space you have to expect but about 3000 euros. Here, a supplementary care insurance helps. Either as a care cost insurance (assuming proven care costs for benefits from the catalog of the statutory long-term care insurance) or as a nursing care allowance (pays a fixed daily rate, which can be freely ordered, the benefits then depend on the degree of care). A care cost insurance costs you as a 50-year-old 55 euros per month. For a Nursing Care Insurance that covers 50 euros a day, ie 1500 a month, you pay a monthly contribution of 58 euros. It is important not to wait too long with the supplementary care insurance. As is the case with all risk insurance companies, anyone who already has serious pre-existing conditions must expect to be turned away. Please be sure to consult because insurance companies have very different benefits and conditions.
Too trusting?
In 1992, I completed a $ 20,000 investment through a financial adviser. After fifteen years it would become 250,000 marks. However, at the conclusion I did not get a contract, only handwritten information. Now the investment is due, and the advisor wrote me that the plant had made nothing and I get back exactly the amount I have paid. Now I'm startled.
They should not be "suspicious", but angry, on the counselor and on themselves. They have been betrayed in my opinion. Therefore, you should contact the Consumer Center as soon as possible. Maybe you can be helped there. In any case, you will have to accept the question of why you conclude an investment without meaningful documents. These include z. For example, in the case of investment funds, sales prospectus, statement of accounts and general terms and conditions. And, of course, all the alarm bells would have been ringing in the return information: to make 20,000 marks in 15 years 250,000, it needs an average annual return of 18 percent. That is impossible. The only consolation: You get at least your money back.
Deal with withholding tax?
How can I escape the new withholding tax? In which country are there depots about which the German tax office is not informed? Or is the new tax inevitable?
Basically, you can not escape the withholding tax. Why should you? A similar taxation already exists in many countries. I warn against making adventurous transactions with this new tax, which you'll probably regret later. Believe me, even after the introduction of the final withholding tax, there will be a life for investors - with good investments that are either not or only slightly affected. And if you have money later this year, eg. If you invest in equity investments, for example, then the withholding tax will no longer apply to subsequent price gains. So my advice: Keep your nerves and get qualified advice to find the cheapest solution for you.
Too old for stocks?
My husband and I have recently retired and will soon receive our life insurance. Part of the money should "work" to be available for any future need for care. Are we still allowed to venture into equity funds at our age, or is it better to play it safe?
Of course, you can invest in equity funds if the conditions are right. On the one hand, at least ten years investment time should be available, so that you can sit out the partly violent price fluctuations. On the other hand, you should have pretty good nerves. If you can not sleep at night when stock market turmoil, you better keep your fingers off equity funds! A good alternative to pure equity funds are mixed funds and mixed funds of funds. They are available with different proportions of shares. The risk is lower and the returns are quite impressive.
Refund of contributions?
Before my time as a civil servant, I paid compulsory contributions for the statutory pension insurance. Altogether a bit longer than two years. Will I receive a pension from these contributions?
You will not get a pension from it. But your contributions do not expire as well. If you have actually paid contributions to the statutory pension insurance for only two years, you can have the contributions reimbursed. However, you only get back the amount paid by yourself, not the employer's. This possibility applies among other things to officials who are not entitled to voluntary insurance. Voluntary contributions to pension insurance may only be paid by civil servants if they have already worked for five years prior to their employment.
