Ideal Pension Strategy. The wide range of private insurance options often puts savers in trouble: What is the best personal strategy for investing money? The ideal private retirement provision depends on several factors: age, occupation and risk tolerance.
Young people, in particular, shouldn’t bury their heads in the sand. The pension cuts have a specific impact on you, so you should make private provisions and f the wide range of options and various pension products. It is true that young professionals in particular usually only have a tight budget at their disposal, but that is why you should not do without pension provision. You can often take the first steps towards financial old-age security with a small contribution. Because apart from the fact that you save longer and thus more, the return also increases.
When the start of retirement is getting closer, and you can no longer “sit out” losses in the investment, you should focus more on security when it comes to private pension provision. These offer, for example, investment in bank savings plans. In the beginning, when retirement is still a long way off, you can act risk-consciously to build up and expand your assets. A permanent investment can offset any losses. For example, fund savings plans that invest in equity funds or real estate funds are high-yielding.
But you can also choose alternative investment strategies to achieve a higher return. You don’t have to be one of the super-rich to raise the necessary capital for an alternative investment. With real estate crowd investing, you join forces with many other investors via an internet platform and can thus invest in large real estate projects with even small amounts. At the same time, you benefit from the high-interest rates that are common in mezzanine capital and that were previously only available to large investors. This is a great way to build your wealth and take the first step towards retirement planning.
Finally, we should point out that with a savings plan you invest a certain amount each month, this amount is autochthonously debited from your account and deposited instantly.