Pensions for the old age?
»I want to sit on the beach and write my book.«
Most people already know exactly what they want to do with their leisure time in retirement. Finally they don't have to work anymore and have time for the beautiful things in life. However, there is a catch: the statutory pension alone is not enough to maintain your accustomed standard of living in old age.
Nowadays, it is essential to start making private provision for old age at an early stage. Sounds like a lot of work? It isn't. Just a few well-chosen measures ensure you a carefree retirement without having a big influence on your current standard of living. The best way to find out which pension plan is right for you is to discuss it with your OVB financial partner.
»I met Thomas 8 years ago on the recommendation of a friend. At that time I set out on my way to independence and wanted to make sure I was safe. We talked about my life situation and my wishes. The conversation was very pleasant because Thomas listened to me and asked me questions. After further appointments with him I was able to sort in my thoughts and uncertainties for precaution. We worked out a strategy for my protection.«
Jens H., Berlin
»Jens had heard several things about retirement planning from his family and friends. He had no idea what he could do. As preparation for a strategy, I inquired about his life in general, his professional ideas and what his goals were.«
Thomas V., Financial advisor
The analysis interview enables you to get to know your financial intermediary and express your wishes. You can check for yourself whether you can imagine further cooperation. This is the first step towards a sound pension plan. Ask your agent everything you want to know.
»Once I had understood Jens' situation and wishes, I discussed with my team on site how we could best protect Jens. Since he is self-employed, Jens has to pay one hundred percent into his pension plan. In his situation, a basic pension combined with occupational disability insurance is a sensible measure.«
Thomas V., Financial advisor
Statutory and private investment products are as individual as your life situation. We are convinced that an optimal retirement provision should be tailored to your individual needs. In many cases, coverage by the statutory pension insurance alone creates gaps for old-age provision. Here is an overview of the most common types of old-age provision:
|Basic provisioin||State-subsidised pension provision||Private provision||Financial investments|
|Statutory pension insurance||Riesterpension||Life insurance||Investment|
|Professional pension scheme||Company pension scheme||Pension insurance||Real estate|
The different species have different advantages. It always makes sense to use an intelligent combination of several preventive models. So that you can benefit now from tax benefits and later from a good pension. It makes sense to choose an investment that corresponds to your personality type: Do you want higher returns and tolerate risks? Or would you prefer more guarantees? The age at which you start saving is also decisive. We will discuss all the important factors with you and create your individual pension package.
There are many providers of financial and insurance products in Europe's markets. We select from a large number of strong partners and negotiate the best conditions. Our OVB financial intermediaries offer you the best products from this selection. Find out who our partners are and what strengths they bring to your financial and insurance products.
In the consultation we explain the suitable financial solution, tailored to the individual needs of each customer. Only products from first-class partners are selected.
There are so many offers from insurance companies. That was too much for me. He explained the advantages of the individual pension models to me well. I now understand what I am investing in. During the service interview, Thomas has my goals for now and for later in mind and gives me tips on how to achieve them. What I like about him is that he answers my questions objectively, comprehensibly and competently.
Jens H., Berlin
During the service interview, you check your life situation with your financial intermediary. With every major change, it makes sense to exchange ideas with your financial intermediary so that your provision can be further optimised.