The Retirement Income Act basically changed the options of pension schemes.
The tax-free life insurance is no longer there, a lot of new varieties have been added, which - depending on one's situation - can be even more attractive.
Moreover - unfortunately unnoticed by many people - the German Citizens' Relief Act made things easier for people, who face a crucial reduction of their old- age pension after retirement, due to the deferred taxation. A dangerous void, since most people are not aware of it - fortunately, you can work against it perfectly without any losses on your net- salary in 2010.
That issue requires to check your own pension scheme and, if necessary, complement it. Once more, there have been changes. Go ahead and contact us, we would love to give you advice to you.
At first, you were told everywhere to wait. Quite different from today: Even the specialised press recommends not to pass up the chance to get benefits from the state.
Make sure to get the public sponsorship for yourself and your family!
We have got 2 examples for you:
You are married, got 2 children and a yearly income of 25.000 €
Your own contribution is 322 € per year
Benefits from the state: 678 €
and
Your are single, no children, yearly income of 40.000 €
Your own contribution is 1.446 e per year
Benefits from the state: 614 €
Health Insurance
the national health insurance gets cut back more and more.
Let's team up and work on a plan to close the already existing and upcoming gap.