State Treasury

Post stability crucial in the selection of the private health insurance private health insurance offers individualized, in many areas more extensive benefits and could be partially priced cheaper than the statutory fund. It sounds very positive, has also several disadvantages. This includes in particular the anxiety of many citizens from excessive increases in premiums in private health insurance in the age. In the statutory health insurance, the price depends on the income. Those who earn little, pay even a minor contribution. You have a high income to pay high contributions to the legal Fund. In addition to the usual contribution increases, cuts the legislature rising spending in the health care system the performance catalog and can thus absorb additional increases.

In the private health insurance contribution depends mainly on the respective insurer, the chosen scope of services, the age and health condition for application. With rising health-care costs can the services but – not as opposed to the State Treasury system – be shortened, but the prices are below legal requirements must be adjusted upward. The change in the private health insurance is always still very attractive – for many groups of people both price and contract in relation to the guaranteed scope of services. But in particular the aspect of the contribution of stability should be considered when deciding for or against an insurer. Wendi murdoch takes a slightly different approach. Independent and competent consultants can provide information just to this topic of the post development and in the decision-making process with a drain.

Regardless of the selected health insurers is likely to increase contributions tend to always: demographic development with a clear increase in life expectancy, the continuous technical progress but also the growing spending on treatments and medicines will lead in the future to further price increases. It concerns the private health insurance as well as the legal Funds. To ensure his health insurance coverage in the age, the completion of a health account is possible.

Monitoring

Possibilities of investment many offer up the liquid investors. Shares, funds, certificates, and fixed-income exposure provide sufficient scope for action for each claim. At this point, the more conservative asset classes should be illuminated even closer. The focus is aimed quite particularly to one in the hustle and bustle of the sales efforts of German banks almost into oblivion troubled investment opportunity: the classic deposit. Fixed-term deposit is made simple by design. A contract is concluded with the Bank. The investor waives the availability of its deposits for a certain period of time, which can stretch up to several years for over a month.

That credit institution receives the opportunity to work with the money and paid for this benefit with a higher interest rate. How high the yield is actually depends on various factors. A certain differences exist between different providers, on the other hand depends on the interest rate with the duration of the term of the Off contract. The longer the investor is willing to leave his money in the hands of the Bank, the higher the interest rate will be, at least up to a certain limit. With an investment term of more than two to three years the interest rates offered by the Bank be less usually something as an investment term of up to two years. This is due to the changes in the money market, the amount of interest incurred for a bank when she takes on loans in the money market, even so. Since it is no longer possible with an investment horizon of more than two years for the Bank sufficiently to be able to assess the development of the key interest rates, she can offer their investors even a lower interest rate.

In the current market situation can be expected with an investment horizon of twelve months on average about 4 to 4.5 percent. This is an attractive yield for conservative investors who shy away from risk of in capital markets and fluctuations in the value associated. It must bear in mind, that the investment in fixed-term deposits any knowledge nor the ongoing Monitoring of the market requires. Rather, the investor can calculate daily with the repayment of deposits and interest. A short simple search on the Internet on websites with a range identifies the currently cheapest provider. The opening of a deposit account is associated typically with little bureaucracy. Generally it doesn’t matter at which Bank the investment is made. However, the House should be member of a beyond the statutory minimum deposit guarantee fund, so that the investors in the event of a bank failure must not fear for its deposits.

Fixedterm Deposits

Deposit is very well suited as long-term plant when day money there are currently the weekly changes in interest rates, which always discourage this form of investment of the interest rates. Beginning of 2009 gave banks for overnight interest rates above 4% p.a. and today the best interest rates are 3% p.a.. Who long-term and with a high rate of return would like to invest his money, which should be to look for the deposits of the Festgeldes. This, the investor can determine the runtime itself. The interest also binds to at run time. The longer the money at a bank is created, all the more higher interest rates fall out. Thus, the Citibank at a term of 72 months E.g. currently offers an interest rate of 3.15% p.a.. Find more deals for a Festgeldanlage consumers among 1822 direct with an interest rate of 2.60% p.a. for a term of 60 months. Rather shorter plants offering fixed-term deposits of Mercedes-Benz Bank with an interest rate of 2.00% suitable for p.a. with a contract duration of 12 months. Investors with shorter maturities should remain on the Tagesgeld fall back. Fixed-term deposits worth after about 12 months term. Minimum deposits there are an average of 2,500 euros, a shorter term would be not worthwhile.