February 19, 2021 – The public offers a generation depot for a small one-time fee. The Stuttgarter runs two pension concepts over all three shifts. Ergo is expanding its old-age provision offering with a sustainable pension product, the Liechtenstein company with a fund-linked net policy and the Condor with a pure equity investment.
The “GenerationsDepot Invest” of Public insurance Braunschweig can be taken out from a single premium of 5,000 euros. With the flexible investment option, savings should be passed on to the next generation as profitably as possible.
In the event of death, the existing fund credit (plus one percent of the contribution paid) will be transferred to a person of your choice. The income is free of income tax during the lifelong term and tax-free amounts for gifts can be used early and in the future when the property is handed over.
The owner of the custody account can withdraw capital at any time, change the beneficiary at a later date or instruct the fund to change. Additional payments and withdrawals are possible over the entire term. The new product can also be combined with the “Generations Depot” (variant with guaranteed benefits) that is still available.
Stuttgarter limits the guarantee
The Stuttgarter Lebensversicherung aG The “performance +” fund pension combines its previous “performance-safe” and “invest” pension concepts. The tariff is available for all pension layers. For security-oriented customers, the index pension remains “index-safe” in the portfolio.
With “performance +”, the relationship between the potential return and the premium guarantee can be set individually. The customer credit is distributed over just two investment pools – security assets and funds. The capital security fund previously used for the hybrid pension is no longer applicable. This reduces the complexity and simplifies advice.
The product concept allows premium guarantees between 80 and zero percent. The customer can also change this during the term of the contract. Regardless of the amount of the guarantee, 100 percent of the savings portion flows into the fund investment in the initial period with ongoing premium payments.
There are various investment tools – for example the optional auto-lock-in to increase the guaranteed capital at the start of retirement. Over 100 funds or a managed portfolio are available for fund investment. There is also a sustainable variant for the “GrüneRente performance +”.
Condor offers an investment strategy with 100 percent shares
The fund policies of the Condor Life Insurance AG can invest fully in stocks. The new investment strategy “EasyMix offensiv” consists of the equity funds Vanguard FTSE All World (50 percent stake), Vanguard Global Value Factor and Dimensional Global Small Companies (25 percent each). So far there was “EasyMix” with a share of 35, 50 and 80 percent.
For “EasyMix” there are costs for the target funds, but no additional portfolio fees. In addition, the insurer waives fees for premium exemption, capital withdrawals or partial pensions in all fund policies. The annual “fitness check” by the Scope Analysis GmbH possible.
Each broker can set up the fund ticker individually in such a way that he receives all the news about previously determined funds via a newsletter.
At Ergo Life, business is also green
The “Ergo Eco-Rente Chance” relies on climate-friendly investment options and a completely sustainable overall concept. The product provider and risk carrier is Ergo Life S.A.who have organized their business operations in a climate-neutral manner and invest all capital investments in the cover pool on a sustainable basis.
The product is aimed at people who are particularly concerned about sustainability. Customers can choose their favorites for their personal investment from a total of 28 sustainability funds, including the Meag– Sustainability Fund. All available investment options take into account ecological and social aspects as well as aspects of sustainable corporate governance (ESG criteria).
Funds can be changed up to twelve times free of charge within one year. The offer includes free annual rebalancing and flexible contribution payments, capital withdrawals and retirement.
Pure fund product at Liechtenstein Life
With “yourlife netto plus” the Liechtenstein Life Assurance AG a purely unit-linked pension product as a net policy. You can invest in 33 ESG-compliant funds – including various ones ETFs, which exclusively depict sustainably oriented companies.
For the first time, the company is also offering the option of regular portfolio rebalancing with this product. Changes to the investment strategy and the reallocation of fund assets are possible at any time and up to twelve times a year free of charge.
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