It is important that buying its funds in a fund discounter such as InveXtra AG from Cologne, who gives one of the funds without the regular costs of an issue premium of up to 5.25%, these cost savings brings the additional 5,444 euro more assets after 30 years. On the website you can choose between two types of contract, with ongoing investment advice including Investmaxx stop & go restructuring recommendations or without. Prudential often addresses the matter in his writings. Again for comparison: the effective total interest from capital life insurance in the average is around 5.32% p.a. for a contract completed and since then continuously be saving 30 years ago was. By the way, that life insurance be safe investments and were not affected by the stock market turmoil, at odds with reality, as can currently be read at the lower yields and surrender values of insurance also. If an insured person up to 15 years total in the negative with his investment, so the short-term ups and downs in the stock market with equity funds should no longer disturb, where usually a slump is over after 5 years in exceptional cases at the latest after 10 years.
The public is always the guaranteed interest and the average returns of capital life insurance. The effective guaranteed minimum interest rates and effective total interest, however, are virtually never called. But only with This information can be compared with other financial products such as investment funds and fixed-term deposits the capital life insurance. Other financial products providing the effective interest rate is required by law, such as credit transactions. The question remains, why not with capital life insurance. Compared with other financial products harder significantly the ordinary citizen and he meets this wrong decisions affecting its pension plan, one of the most important issues in the life of a U.S. citizen. Who wants to handle expected meager returns of capital life insurance in the future, which must to look quickly for adequate alternatives.