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Zero interest rates were yesterday: more and more banks and savings banks are now charging negative interest rates and fees for accumulated assets in overnight money and current accounts. Since these are usually only due from a certain investment amount, it can make sense to divide the assets among different banks. More returns can be achieved by investing in stocks and mutual funds. But a fund policy also has its charm, explains Universa Versicherung.
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Accumulated savings can, for example, be converted into retirement income via the state-subsidized Rürup pension with tax advantages. 92 percent of the contributions up to a maximum of 23,724 euros (married people 47,448 euros) are tax-deductible this year as special expenses. But fund policies also have their advantages in the third tier of old-age provision. There, flexible withdrawals of the credit are possible. If the capital is invested for at least twelve years and up to the age of 62, half of the income remains tax-free when it is paid out.
If you choose a lifelong pension instead, you only need to pay tax on a low proportion of the income. This is only 17 percent if you retire at the age of 67. Compared to a direct investment, fund policies have another advantage: fund changes and reallocations can be carried out tax-free at any time. A premium guarantee is also possible for security-oriented investors. For example, at uniVersa the guarantee level can be set between 50 and 90 percent.
Photo: Shutterstock
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/data/photo/2021/03/09/604716af1e8d7.jpeg?resize=150%2C150&ssl=1 "Starting Wednesday, Section 3 of the Sigli-Banda Aceh Toll Road will be Opened for Free")