location: I would like to know something to the Pension, because our son is learning this year.
question: What he can do for his pension plan?
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reply from Gernot Arendt, managing Director of the Institute for retirement planning, Munich: PR Gernot Arendt to keep it for their son that is flexible, simple and transparent, I recommend to start with a Fund savings plan. This is already from 25 Euro a month. Funds have the advantage that they are always available for sale, a wide scattering of grant and, in the case of the custodian and designated special funds. This is not to say: A possible insolvency of the investment company or the Bank by the special Fund, so that full investor protection.
it is also Possible to index funds (ETF) with the world would be more scattering. I do not recommend, in contrast to many other classic MSCI World Index Fund, because in the United States-share at more than 60 percent and, therefore, from my perspective, an Overweight in the USA. Better of the MSCI All Countries World Index (MSCI ACWI), of the countries considered uniform, is therefore. in the emerging countries.
If your son would like to also take into account aspects of the environment, production conditions and a value-based Management, I recommend an ETF on the MSCI ACWI Socially Responsible. This company from a divorce, the damage to the environment, child labor or forced labor use, weapons manufacture or nuclear energy to produce. To avoid, if necessary, a currency risk, there is also a variant, against the EURO.
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location: Since I was 25 years of age, directly after I finished my training, I have completed two pensions-supplementary insurance – Direct insurance (fee conversion) and Rieser pension. Now I am 39 years old and you don’t hear all the time, both systems are worthwhile. The Direct insurance will support with almost 25 % by the employer. In the case of the Riester pension, I pay just under the minimum percentage.
question: What would you suggest? Should I leave both of the supplementary pension insurance contribution, and instead, in the ETFs invest or run because the cost paid for the assets would eat up?
reply from Gernot Arendt, managing Director of the Institute for retirement planning, Munich:
So the package can not be answered, because for this purpose some information are required, the respective Alternatives are compared. A retirement plan makes sense here ( www.institut-für-ruhestandsplanung.de/kontakt). Generally speaking, a wider dispersion for the establishment of a sound pension scheme is useful. Currently, you are invested only in money values, therefore, an additional combination with in-kind would be recommended values to the diversification.
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