There are little to no interests when investing in standard retirement products. While at the same time, everything is getting more expensive.
The statutory pension will not secure their desired living standard of most people in old age.
Private pension products are often overpriced and largely sold through poor advice.
This can be explained quite simple:
ETFs invest in many different stocks, bonds, commodities or real estate at once. By combining the right ETFs, you invest in thousands of individual stocks, diversifying across many countries, industries and asset classes.
Hence, you simply map the global capital market, which has recovered from every crisis in the last 100 years and repeatedly reached new highs.
violet Stock (up to 9,000 individual values)
green Bond (up to 3,500 individual values)
bright sun Raw material (metals and energy)
pink Real estate (up to 300 individual values)
The Rürup pension is taxed at your personal tax rate when it is paid out, while ETF gains are taxed only at the settlement tax rate. A Rürup pension can be paid out from the age of 60 at the earliest, while an ETF can be paid out whenever you want. Incidentally, also in any amount.
A Riester pension is tied to a number of specification, such as a minimum investment period and a limited choice of investments. In contrast, an ETF investment offers much more freedom and significantly higher potential returns.
For example, if we consider an investment of €50,000 with a savings plan of €300 per month over the investment horizon of 30 years, we can see a significant difference of €533,859 between investing in the capital market and through insurance.
Clear answer: No.
Whether you're 40, 50 or 60, investing in ETFs historically always pays off. With the right investment strategy, you can start investing no matter how old you are. Payouts are flexible as well, so you can make your money work for you even in your old age.
Ginmon does not receive any commission from the ETF providers from which the selection is made. We only earn from the service fee.
This way our investors can be sure that we act in their best interest.
In addition, Ginmon does not belong to any company or bank. This allows us to freely choose the ETFs for our investors.
No, you are 100 % flexible.
Whether as a one-time payment, monthly or even daily withdrawal - you decide when you want to withdraw how much money from your Ginmon account.