RETIREMENT saving: many entrepreneurs are trapped so much in day-to-day business, she overslept the topic of retirement. It threatens a rude awakening. Of course, it is existential, that the business is going well for any entrepreneur. The company goes well, even the boss is fine. But how is that, if the retirement is imminent. Is the income and thus the income then regulated? A tricky question, because many small business owners rely too often on the profitable sale of your company or a successful succession plan.
12,000 Companies pending annually in Bavaria to the takeover. But unfortunately not everyone can find a buyer or successor long ago. The entrepreneur has taken no other protection threatens the retirement to the dilemma to be. In time everything that serves to secure the financial game room in the retirement plan belongs to the retirement savings roughly speaking. Whether a pension, life insurance, or for example, rental income are. So the first step in the meaningful retirement must be: determine the Status Quo. What measures have been already taken? An overview with regard to risk management, real estate or investments brings transparency. The objectives are defined in the next step.
These retirement plans allow me what? And consistently measures and wishes must be then compared with each other. The prevention activities sufficient to ensure the desired quality of life? Gaps for an honest analysis and the Stiftung Warentest, to consult an independent fee consultant recommends a target-oriented planning. Rainer Michaelis, accredited honorary consultant in Traunstein, Germany, explains the benefits: the honorary advice aims to enable the client to make decisions according to its interests. We advise independent party, absolutely transparent. As honorary advisers get a clearly defined pay and no Commission! Any Commission fee will be refunded the client 100%.” Michaelis is so sure that he promises even a 100% money-back guarantee, his thing should the consultation result fails to meet the expectations. Inflation take into account how can a reasonable provision now look, that even after adjusting for inflation is sufficient? A pension of 2,000 euros corresponds to a yearly inflation of 2% in 20 years only a purchasing power of 1,335 euros. Clear signal on the Vorsorger: take advantage of compound interest. 26,500 Euro are a complex sum of 10,000 euros at an annual interest rate of 5% after 20 years. But which strategy is right now depends on the individual requirements, as well as by the type of operator. Whether conventional pension or for example exchanges AA through an investment in so-called ETFs here helps independent advice. It also shows you whether the funded Rurup pension makes sense. From the standpoint of a secured this base can be pursued objectives clearly and with certainty future financial decisions made. It is important to deal in a timely manner pensions. So we must not continue at the age. But no more than can if you want. Rainer Michaelis