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"Primarily, everyone with a higher tax burden benefits from a Rürup-Pension, after signing the contract. This basically includes all the well-earner...
In Germany, it is a kind of pension insurance. Your employer pays a part of your salary, before it is taxed, into a pension contract. When you retire, y...
Anyone who, in addition to the widow's pension, has income from an occupational pension, from private pension provision, from capital or from supplem...
A good guideline for determining the pension amount is 70 to 80 percent of your net salary. Make sure that you choose a contract with a so-called a s...
Entitlements from a company pension with deferred compensation cannot lapse by law. The entitlement to the benefit from the contributions paid is secure...
The contributions for a subsequent occupational pension can be made by the employer, the employee or both together. In the case of a so-called "deferred...
When the VBL occupational pension is paid out in old age, it must be taxed as income (deferred taxation). This is because the contributions are tax-free...
Anyone who receives a company pension in old age must declare the money from the pension fund as income in the tax return and pay tax on it. The occu...
Either the employer (AG) and the employee (AN) together or only the AG can pay into the occupational pension scheme (bAV). If the employee also makes...
Employers and employees can pay contributions to the company pension scheme or they are borne entirely by the Employer. If the employee pays the contrib...
If you quit your job, the employer does not continue to pay the contributions for the occupational pension scheme. However, the contract between you and...
The tax office gives you a tax-free pension allowance plus a supplement. The amount depends on the year in which you first received the pension: in 2005...
A deferred compensation in accordance with § 3 No. 63 EStG is tax-free for the bAV (Company Pension). As an employee, you pay your contributions for th...
A company pension plan is an additional supply which promises either a retirement rate, a survivor performance or a hedge of biometric risks. In this ca...
Yes, according to § 33 EStG (Einkommensteuergesetz) of the tax code, exceptional living expenses are tax-deductible. This includes expenses caused by i...
EM pensions are for workers who cannot work or can only work part-time, often because of an accident or illness. However, reduced earning capacity pe...
The "unlimited EM pension" (statutory pension insurance) does not usually pay a reduced earning capacity pension until the regular old-age pension be...
Yes with an EM pension, you can, but the amount of your pension may be reduced. It is possible to emigrate to other EU countries without reductions. In ...
Better known as disability pension, this form of early retirement has been called reduced earning capacity pension or EM pension for short since 2001...
The amount of the pension depends on the number of years of contributions and the gross salary. As a general rule, a statutory occupational disabilit...
In principle, these payments are taxable. However, you will rarely have to pay tax on benefits, because generally only the so-called income share is ...
A statutory occupational disability pension is only available to people with statutory pension insurance who were born before 1 January 1961. All those ...
The statutory reduced earning capacity pension is intended to compensate for financial losses caused by the premature end of gainful employment. However...
Currently, about four million people in Germany receive care allowance because they are in need of help. Depending on the care level, the person in n...
"Investing in funds, also known as mutual funds or exchange-traded funds (ETFs), is a simple way to diversify your portfolio and gain exposure to a vari...
Historically, the best time to invest is usually in late September, early October.
ETF are far cheaper than other funds an make it possible to buy a well-diversified investment with a single transaction.
The main downside of an ETF is its cost. While they are very cheap if you compare them to other funds, they still are more expensive than holding the as...
Yes, some ETFs do pay the dividends collected from their assets to the investor. But there are also many, who reinvest the gains. You have to check the ...
Since ETFs already include a certain level of diversification, they indeed average out the risk. But this does not mean that it is impossible to lose mo...
ETFs are a quite solid investment, with only a moderate level of necessary information. While they still require some research and knowledge, they are a...
An Exchange Traded Fund (ETF) is a collection of assets that depend on a specific index. Its goal is to map this underlying index as precisely as possib...
The biggest ETFs at the moments are:
An ETF represents a collection of assets. A stock-based ETF usually holds more than 100 stocks in a portfolio. ETF’s also exist that invest in portfol...
If an ETF is a good investment depends on the assets it is representing. If they perform well, the ETF will be a very good investment, but it is not ...
In Germany ETFs are taxed like the underlying investment, there is no special benefit.
They could be. ETFs are just an exchange-listed fund and the fund could be an index fund. ETF’s that track an index usually don’t hold all the stock...
It is calculated by taking the sum of the assets in the fund, including any securities and cash, subtracting out any liabilities, and dividing that figu...
In the context of investments, a fond is a type of mutual fund or collective investment scheme. It pools money from multiple investors and uses that mon...
An investment fund is a type of financial vehicle that pools together money from multiple investors to purchase securities, such as stocks, bonds, real ...
The term "Pension Fund" refers to a professional pension scheme. This is a pension scheme for liberal professions that are eligible for membership in ch...
Expat insurance often means a type of health insurance that will cover your expenses in case of an accident or illness. If you stay longer than 6 months...
There are over 20 health insurance providers in Germany with various ups and downsides for the client. The fastest way is expat insurance, however these...
The cost of private health insurance depends on the rates of the specific provider and your own health. People in good shape pay less than ones with hea...
Your contract can be managed by us if you wish. A change of provider including transfer of the credit balance is not possible for every pension contract...
Our promise is full transparency and flexibility as well as low costs. We are independent brokers and work for our clients to find the best possible sol...
Yes, Horizon65 is completely independent. There is no dependence on external providers. The team of advisors also has no obligation to choose certain pr...
Yes, the use of our service is free of charge. We are financed exclusively by commissions from the providers, which are already included in the premiums...
We are a German company and our head office is in Berlin. As a digital company, we offer our services nationwide via telephone and video call. In add...
The Federal Reserve's decision to raise interest rates depends on a variety of economic factors, including inflation, employment rates, and economic gro...
Inflation occurs when there is a sustained increase in the general price level of goods and services in an economy over time. There are many factors tha...
Inflation was high in 1980 due to a combination of factors, including an increase in oil prices, expansionary monetary policy, and rising labor costs. I...
Japan has been experiencing low inflation for a prolonged period, commonly referred to as "Japan's deflationary trap." There are several factors that ha...
Inflation can have both winners and losers. Those who benefit from inflation are borrowers, particularly those with fixed-rate loans. This is because th...
Inflation target 2, also known as "2% inflation target," refers to a monetary policy framework in which a central bank sets a target inflation rate of 2...
Low inflation can be bad for several reasons. Firstly, it can lead to a decrease in demand and economic growth, as consumers delay purchases in the expe...
Inflation in Turkey has been high for several reasons. One of the main factors is the country's large current account deficit, which has put pressure on...
Inflation has been low in Japan for a variety of reasons. One key factor is the country's demographic trends, which include an aging population and low ...
Inflation can have both winners and losers, depending on various factors such as the overall economy, the type of inflation, and individual financial si...
Inflation is generally considered bad for stocks because it reduces the purchasing power of money, which can lead to lower corporate profits and stock p...
If the minimum wage were adjusted for inflation, it would be higher than its current rate. As of 2021, the federal minimum wage in the United States is ...
Inflation is generally considered bad for the economy because it erodes the purchasing power of a currency. When prices for goods and services increase,...
Inflation can be bad for equities because it erodes the purchasing power of the currency, which can reduce the real value of earnings and assets held by...
Venezuela has high inflation due to a combination of factors, including government policies, economic mismanagement, and external pressures. The country...
Inflation can be bad for bonds because it erodes the purchasing power of the bond's fixed payments over time. When inflation rises, the future cash flow...
Inflation is a commonly used term in economics that refers to the sustained increase in the general price level of goods and services in an economy over...
Inflation is necessary to promote economic growth and stability. A controlled level of inflation can stimulate spending and investment, which in turn ca...
Inflation occurs when the general level of prices for goods and services in an economy increases over time, resulting in a decrease in the purchasing po...
Inflation can have a significant impact on various groups, but it generally hurts low-income earners and people living on fixed incomes the most. This i...
As of February 2023, the inflation rate in the Eurozone is 9.6%. The Eurozone is a monetary union of 19 European Union member states that use the euro a...
To calculate the inflation rate from GDP, you need to use a formula that takes into account the nominal GDP and the real GDP. The nominal GDP represents...
When inflation increases, interest rates tend to go up. This is because higher inflation means that the purchasing power of the currency is decreasing, ...
Inflation can have various costs on an economy, including reducing the purchasing power of consumers, distorting price signals, discouraging investment,...
Inflation is affected by a variety of factors, including changes in the supply of money and credit, fluctuations in consumer and business confidence, sh...
In economics, inflation is a sustained increase in the general price level of goods and services in an economy over a period of time. This means that th...
Inflation is a general increase in the price level of goods and services in an economy over a period of time. In other words, it means that the purchasi...
Inflation is a phenomenon where the general level of prices for goods and services in an economy increases over time, leading to a decrease in the purch...
An inflation premium is the additional return on an investment that compensates for the expected loss of purchasing power due to inflation. In other wor...
Unemployment can have a significant impact on inflation. When there is a high level of unemployment, there is typically less demand for goods and servic...
Negative inflation, also known as deflation, occurs when the general price level of goods and services in an economy decreases over time. This means tha...
Runaway inflation refers to a situation in which the prices of goods and services rise at an extremely fast and uncontrollable rate. In this type of inf...
As of the latest available data from January 2023, the inflation rate in Germany is +8.7%. Inflation refers to the rate at which prices for goods and se...
The annual inflation rate is a measure of the rate at which the general level of prices for goods and services is increasing over a one-year period. It ...
In economics, inflation refers to the general increase in prices of goods and services in an economy over time. This means that as inflation occurs, eac...
The effects of inflation on the economy can be both positive and negative, and it largely depends on the level of inflation. Low inflation can be benefi...
The historical inflation rate in India has varied over time. From 2011 to 2020, the average inflation rate was around 5.97%, with a peak of 11.16% in No...
As of the latest data available in January 2023, the annual inflation rate in the United States is 5.4%. This represents an increase in the overall leve...
Consumer inflation, also known as consumer price inflation, refers to the rate at which the prices of goods and services purchased by households and ind...
A high inflation rate refers to a situation where the general price level of goods and services in an economy is rising at a relatively rapid pace. This...
Deflation can be worse than inflation because it can lead to a vicious cycle of declining demand and economic activity. When prices are falling, consume...
Consumer price inflation, also known as CPI, is a measure of the rate at which the prices of goods and services purchased by households rise over time. ...
The HICP inflation, or Harmonized Index of Consumer Prices inflation, is a measure of inflation used in the European Union. It measures the change in th...
The inflation rate is determined by a variety of factors, including the supply of money in circulation, the demand for goods and services, and the overa...
When inflation goes up, the value of bonds typically goes down. This is because inflation erodes the purchasing power of the fixed payments that bonds o...
Inflation is a phenomenon where the general level of prices for goods and services in an economy increases over time, resulting in a decrease in the pur...
A good inflation rate is generally considered to be around 2% per year. This level of inflation is seen as low enough to avoid causing significant econo...
When interest rates rise, inflation tends to decrease. This is because higher interest rates make it more expensive for individuals and businesses to bo...
Inflation refers to the rate at which the general level of prices for goods and services is increasing over time. This means that the purchasing power o...
Inflation can be a challenging economic force to manage, but there are some steps you can take to help keep up with its effects. Here are a few strategi...
A low inflation rate typically means that the general price level of goods and services in an economy is rising slowly. In other words, the rate at whic...
Inflation and deflation are two economic terms used to describe the movement of prices in an economy. Inflation is the rate at which the general level o...
Inflation is not dead. Inflation refers to the increase in prices of goods and services over time, and it is a normal part of a healthy economy. While i...
Protecting against inflation involves several strategies, including:
Yes, it is possible to decrease inflation. Inflation refers to the general increase in prices of goods and services over time, and is often caused by an...
If you're looking to profit from inflation, there are several strategies you can consider. One approach is to invest in assets that are expected to incr...
Low inflation can be both good and bad, depending on the context. In general, moderate inflation is considered healthy for the economy, as it can encour...
Inflation can have both positive and negative effects on an economy. A moderate level of inflation can encourage spending, investment, and economic grow...
Surviving inflation requires a combination of smart financial planning and lifestyle adjustments. Here are some tips to help you navigate inflation:
Inflation has been a topic of concern for many economies. In some countries, there has been an increase in inflation due to a variety of factors such as...
To calculate the inflation rate using GDP deflator, you can use the following formula:
To forecast inflation, there are several approaches you can take. One method is to analyze the historical relationship between inflation and other econo...
If you're looking to protect your assets from inflation, there are several strategies you can use to hedge against its effects. One common approach is t...
Forecasting the inflation rate can be challenging, but there are several methods that economists and analysts use to try to predict future inflation. So...
To calculate the inflation rate from GDP, you can use the GDP deflator. The GDP deflator is a measure of the price level of all goods and services inclu...
Hedging against inflation involves protecting your investments and purchasing power from the devaluation of currency. Options include:
Ending inflation involves implementing monetary and fiscal policies to control the supply and demand of money and goods, stabilize prices and maintain a...
The inflation premium is the additional return that investors demand to compensate for the expected erosion of purchasing power due to inflation. To cal...
To adjust GDP for inflation, calculate the real GDP by dividing nominal GDP by a price index and multiplying by 100. This adjusts for changes in the gen...
The inflation rate formula is calculated as:
To calculate salary increase based on inflation, follow these steps:
Inflation affects you by decreasing the purchasing power of your money. As prices for goods and services rise, each dollar you have buys less than it us...
In the stygian depths of the financial abyss, the rite of raising interest rates doth cast its eldritch spell upon the frothing maelstrom of inflation. ...
Inflation is the rate at which the general level of prices for goods and services is rising, and subsequently purchasing power is falling. The inflation...
The inflation rate affects business by influencing the value of money. A high inflation rate means that money loses value and thus costs for companies i...
Inflation is an increase in the general price level of goods and services in an economy over a period of time. When the general price level rises, each ...
Inflation is the general increase in the cost of goods and services over time. To beat inflation, it is important to invest your money in assets that wi...
Inflation can have a complex relationship with unemployment. In the short term, high inflation can lead to higher unemployment as companies may raise pr...
Inflation is measured by calculating the percentage change in the Consumer Price Index (CPI) over a certain period of time. The CPI is a measure of the ...
Inflation can impact exchange rates in several ways. One way is through the interest rate differential, which is the difference in interest rates betwee...
Inflation and interest rates are closely related. When the inflation rate is high, interest rates also tend to be high. This is because lenders will cha...
Inflation can affect the stock market in a number of ways. High inflation can cause interest rates to rise, which can lead to increased borrowing costs ...
Inflation can have a negative effect on savings because it decreases the purchasing power of money over time. As prices for goods and services increase,...
Inflation affects the discount rate by causing the purchasing power of money to decrease over time. As inflation rises, the value of future cash flows d...
Inflation refers to the rate at which the overall price level of goods and services in an economy is increasing. It is measured as the percentage change...
Inflation is a sustained increase in the general price level of goods and services in an economy over a period of time. When too much money is circulati...
GDP (Gross Domestic Product) and inflation are related in that a growing GDP can lead to an increase in inflation, while a stagnant or decreasing GDP ca...
Inflation can affect gold prices in a few ways. Firstly, as inflation increases, the value of the currency decreases, which can make gold more attractiv...
Inflation, which is a sustained increase in the general price level of goods and services in an economy over a period of time, can affect economic growt...
Paul Volcker, who served as the Chairman of the Federal Reserve from 1979 to 1987, is widely credited with successfully containing the "Great Inflation"...
Unemployment and inflation are two economic indicators that can have an impact on each other. In general, when unemployment is high, inflation tends to ...
Inflation can have a mixed effect on stock prices. In the short term, inflation can lead to higher interest rates, which can decrease stock prices. Howe...
There are several reasons why there may be no inflation in an economy. One possible reason is that there is a lack of demand for goods and services, whi...
High inflation is bad because it can lead to a decrease in purchasing power, making it more difficult for individuals and businesses to afford goods and...
Inflation can cause unemployment because when prices rise, the purchasing power of consumers decreases, leading to less demand for goods and services. A...
The two percent inflation rate is a target pursued by many central banks. This value is considered appropriate to ensure stable price development withou...
Deflation, or a decrease in the overall price level of goods and services, can be seen as worse than inflation, or an increase in the overall price leve...
To adjust for inflation using the Consumer Price Index (CPI), you can use the following formula: (CPI in current year / CPI in base year) x original cos...
High inflation can have a negative effect on GDP by decreasing investment and consumer spending, decreasing purchasing power, and increasing uncertainty...
"To adjust for inflation, one can use a Consumer Price Index (CPI) calculator to determine the current value of a certain amount of money from a previou...
Inflation can have both positive and negative effects on businesses. On one hand, it can increase consumer spending and demand for goods and services, l...
Inflation refers to the sustained increase in the general price level of goods and services in an economy over a period of time. When the overall price ...
"To fight inflation, a government can raise interest rates, decrease government spending, or increase taxes. Central banks may also decrease the money s...
One way to save money from inflation is to invest in assets that tend to increase in value in relation to inflation, such as stocks, real estate, or com...
To protect yourself from inflation, consider the following strategies:
To beat inflation, investors typically look to investments that have the potential to grow in value faster than the rate of inflation. Some options incl...
High inflation rate is a sustained increase in the general price level of goods and services in an economy over a period of time. When the inflation rat...
Inflation, the bane of all economies. A rise in the general level of prices, it doth signify a decrease in the purchasing power of money. As prices for ...
Inflation is the rate at which prices for goods and services increase over time. To reduce inflation, governments and central banks can use a variety of...
Inflation in Germany refers to the rate at which prices for goods and services in the country are rising. The most commonly used measure of inflation in...
Inflation in Hindi refers to the sustained increase in the general price level of goods and services in an economy over a period of time. When the gener...
Inflation is a continuous rise in the overall cost of goods and services in an economy that reduces the purchasing power of money as each unit can purch...
Lifestyle inflation refers to the tendency for people to increase their spending as their income rises, rather than saving or investing the extra money....
Inflation is a persistent rise in the overall cost of goods and services in an economy over time, causing a decrease in the value of money as each unit ...
Money inflation is a sustained increase in the general price level of goods and services in an economy over a period of time. When prices rise, each uni...
As of 2021, the inflation rate in South Africa is 4.1%.
Inflation can hurt those on fixed incomes, such as retirees and people living off savings, as it reduces the purchasing power of their money. Additional...
Inflation is the rate at which the general level of prices for goods and services is rising and subsequently, purchasing power is falling. The money sup...
To stop inflation, governments can use monetary policy (such as increasing interest rates) and fiscal policy (such as decreasing government spending) to...
Interest rates and inflation are closely related. When the economy is strong and growing, demand for goods and services increases, which can lead to hig...
To calculate the inflation rate, you will need to use the Consumer Price Index (CPI) from the Bureau of Labor Statistics. The formula for calculating th...
"To overcome inflation, experts suggest implementing a budget and sticking to it, investing in assets that have the potential to appreciate in value, an...
Typically, an inflation rate of 3% or higher is considered high, although this can vary depending on the specific circumstances of the economy. High inf...
Low inflation is considered the least bad option as both high inflation and deflation cause significant economic dislocation.
Quantitative easing (QE) is a monetary policy used by central banks to stimulate the economy by increasing the money supply. Some economists argue that ...
Fundamentally inflation is caused by too much money chasing too few productive uses of this money, inflation in 2022 however was mostly caused by price ...
Some inflation is good as it motivates savers to deploy their capital into the economy, however too much inflation negatively impacts most stakeholders ...
Inflation is an increase in the overall price level of goods and services in an economy. It can have a number of negative effects, which can be felt by ...
Inflation rate is the rate at which the general level of prices for goods and services is rising and subsequently purchasing power is falling. Central b...
Central banks want inflation because it helps to stimulate economic growth by encouraging spending and investment. A moderate level of inflation, typica...
Inflation is the rate at which the general level of prices for goods and services is rising, and subsequently purchasing power is falling. Inflation can...
In economics, inflation and deflation are two important concepts that describe changes in the general price level of goods and services over time. These...
During inflation, it is generally recommended to invest in assets that can maintain or increase in value, such as real estate, precious metals, and stoc...
Inflation can negatively impact equity investors by decreasing the purchasing power of their investments. As prices for goods and services rise, the val...
Short term interest rates refer to the interest rates on financial instruments that mature within one year or less. These rates are typically set by cen...
National interest rates, also known as benchmark interest rates, are the interest rates that a country's central bank sets for its financial institution...
To calculate the interest rate on a credit card, you will need to gather some information about your card's terms and your current balance. First, find ...
To calculate interest rate risk, you need to consider two key factors: the duration of the investment and the sensitivity of the investment's value to c...
To calculate the effective annual interest rate, you need to take into account the nominal interest rate and the number of compounding periods per year....
To calculate the lease interest rate, you need to first gather some information such as the total cost of the asset, the residual value of the asset at ...
To find the interest rate, you need to know the amount of interest earned or paid, the principal amount of the loan or investment, and the time period o...
To convert an annual interest rate to a daily rate, you can use a simple mathematical formula. First, divide the annual rate by 365 to get the daily rat...
To calculate the interest rate per annum, you need to divide the amount of interest paid by the principal amount borrowed or invested, and then multiply...
Negative interest rates occur when central banks or other monetary authorities set interest rates below zero. In this scenario, instead of earning inter...
When interest rates rise, the prices of existing bonds in the market tend to fall, and when interest rates fall, bond prices tend to rise. This relation...
Inflation indexed bonds, also known as inflation-linked bonds or simply linkers, are fixed-income securities whose interest and principal payments are a...
Simple interest is calculated as:
To find your interest rate, check your credit card or loan statement, contact your bank or lender, or check an online interest rate comparison tool. You...
To calculate a flat interest rate, use the following formula: Interest = Principal x Rate x Time. Principal is the initial amount of the loan or deposit...
An interest rate swap is a financial contract between two parties in which one party agrees to pay a fixed interest rate to the other party in exchange ...
To calculate the Annual Percentage Rate (APR) from an interest rate, you can use the following formula: APR = (interest rate x 365 days) / (365 - number...
The interest rate for a personal loan in Pennsylvania can vary depending on the lender and the borrower's creditworthiness. On average, personal loan in...
A high interest rate is a percentage charged by a lender for the use of borrowed money. It represents the cost of borrowing and is typically expressed a...
Long-term interest rates are determined by a variety of factors, including inflation expectations, government monetary policy, and global economic condi...
To calculate interest rate, use the formula: Interest = Principal x Rate x Time. Principal is the initial amount of the loan or deposit. Rate is the per...
Interest rates are determined by the central bank of a country, such as the Federal Reserve in the United States. They use a variety of tools, including...
Asking for a lower interest rate on a credit card or loan may have a temporary, minor impact on your credit score. However, if your credit history and c...
To calculate an interest rate factor, use the following formula: Interest Factor = (1 + Interest Rate)^Number of Periods. The interest rate should be ex...
A long-term interest rate is the rate at which an individual or institution can borrow money for a period of time longer than one year. These rates are ...
Treasury inflation-protected securities (TIPS) are U.S. government bonds that are designed to help protect investors from inflation. The principal and i...
To find the rate of compound interest, use the formula: r = (m/p)^(1/n) - 1, where "r" is the interest rate, "m" is the final amount, "p" is the princip...
New car interest rates vary depending on the lender, the type of car, and the borrower's credit score. Typically, rates range from 2-5% for borrowers wi...
Negative interest rates refer to a situation in which the central bank charges banks to hold their money, rather than paying them interest. This is done...
The Deposit interest rate is the amount of money that a bank or other financial institution will pay you for keeping your money in one of their accounts...
Interest rates are typically set by a variety of entities, including:
To calculate the APR (Annual Percentage Rate) from a daily interest rate, you need to first determine the daily interest rate as a decimal. This can be ...
If you're looking to lower your interest rate, there are a few steps you can take. First, make sure you have a good credit score by paying your bills on...
If you're looking to lower your credit card interest rate, there are several steps you can take. First, you can try calling your credit card company and...
To get the best interest rate, you should start by shopping around and comparing rates from multiple lenders. Look beyond the big banks and consider cre...
To get a lower interest rate on your mortgage, you can consider several strategies. First, shop around and compare rates from different lenders to find ...
To calculate compound interest rate in Excel, you can use the formula: = (1 + interest rate) ^ (number of compounding periods) - 1 where "interest rate"...
If you're looking to reduce your interest rate on a bank loan or credit card, there are several strategies you can try when asking your bank for a lower...
Banks set interest rates based on a variety of factors, including the federal funds rate, the prime rate, and market conditions. The federal funds rate ...
Covered interest rate parity (CIRP) is an economic theory that suggests that the forward exchange rate should incorporate the interest rate differential...
Interest rates can have a significant impact on the economy in several ways. When interest rates are high, it becomes more expensive for businesses and ...
Bank interest rates are the amount of money that a financial institution pays to customers for holding their deposits. Interest rates are set by the ban...
The Japanese Bubble Economy refers to a period of rapid economic growth and soaring asset prices in Japan during the 1980s. This period was characterize...
Inflation rate can be calculated using Consumer Price Index (CPI). Formula: (CPI in current year - CPI in previous year) / CPI in previous year * 100 = ...
To adjust for inflation in Excel, follow these steps:
The interest rate on a business loan can vary depending on the lender, the type of loan, and the creditworthiness of the borrower. Typically, interest r...
The average interest rate on a personal loan can vary depending on factors such as credit score, loan amount, and loan term. According to Bankrate, the ...
Nominal interest rate is the interest rate before adjusting for inflation, while real interest rate is the nominal rate adjusted for inflation. In other...
To get a lower interest rate on a car loan, consider the following steps:
APR, or annual percentage rate, is a measure of the cost of credit, including the interest rate and additional fees. It is expressed as a percentage and...
In the UK, interest rates are set by the Monetary Policy Committee (MPC) of the Bank of England. The MPC is responsible for formulating and implementing...
Banks determine interest rates on savings accounts based on a variety of factors, including the Federal Reserve's benchmark interest rate, competition w...
The bank that offers the highest interest rate can vary depending on the type of account and the location of the bank. Typically, online banks offer hig...
MIET stands for "Member of the Institute of Engineering and Technology." It is a professional membership designation for individuals who are qualified e...
The amount of money you can save depends on your income, expenses, and savings habits. To determine how much you can save, you should create a budget an...
An investment advisor is a certified counselor that has to help you with the analysis of your investments, the portfolio and the feasibility of addition...
The fate of your assets and retirement income is determined based on where the income is coming from and, in the case of a retirement contract, the cond...
The earlier you start, the better! At the beginning of your career, when your salary is still low, a small monthly savings amount (20, 50 or 100 euro...
In addition to securing your family, you should also plan early for your pension. It is best to consult a professional pension planner. You can't invest...
Both the orphan's pension and the widow's pension belong to the category "pension due to death" in the statutory pension insurance. The orphan's pens...
The orphan's pension is intended to provide financial security for surviving children. They receive an orphan's pension if the deceased parent was in...
The orphan's pension is a benefit of the statutory social insurance. The statutory accident insurance and pension insurance (GRV) are responsible for...
The statutory pension insurance (GRV) calculates your pension according to the following formula: Amount of monthly pension = earning points x access...
Will the use of multiple private pensions is doubtful, there is no limit regarding the number of contracts you have. You can also invest as much money a...
Since a private pension is a completely private contract, it is fully independent of your employment or workplace.
This depends on the investments you choose for your pension. Some, like bonds, will not grow. While others may profit from inflation.
No, a company pension and a private pension are distinct and cannot be converted into each other. However, you have the option to supplement your compan...
Yes, this is always possible. To use the tax benefits, however, it would be necessary to own the private pension plan for more than 12 years and wait fo...
That is not directly possible. But you can quit the private pension contract and receive the capital as an immediate payout.
Without a problem! While both serve the same purpose, they do not hinder each other and be used at the same time. There are no negative consequences to ...
This is not a problem. If you move to another country, you can still use your private pension and get paid later. But, you should be careful about taxes...
In Germany, most insurance companies and banks offer their own version of a private pension. But it would be good to talk with a dedicated financial adv...
Yes, it is possible to withdraw your private pension anytime. However, you may lose some of the tax benefits. It is also possible that you will have to ...
A private pension can be invested however you want. This may include risky assets, if you choose so. Such a pension is of course not completely secure. ...
Yes, in Germany it is possible to receive the pay out of your private pension insurance early. However, you will miss out on a few tax benefits.
This depends on the actual contract. Generally, however, the money still contained in the contract is added to the estate and paid out to the heirs.
As a completely private contract, your private pension is in no way dependent on your work or retirement. If you work or not is of no concern for your p...
No, there is no relation between the private pension and your state pension.
A registered pension scheme is a special kind of pension insurance. In exchange for tax benefits, it follows rules set out by the government on how the ...
An investment arrangement with the stated purpose of financing and later supplying retirement income (pension) to you or your loved ones. There are stat...
The pension insurance secures your old-age income, and in Germany they are heavily tax-incentivized to enable you to supplement your pension (and to red...
A pension insurance is an investment contract. You invest your money and in return, you will receive a pension in old age or have the ability to take a ...
A pension insurance is an investment contract. You invest your money and in return, you will receive a pension in old age. There is a wide range of inve...
Pension insurance is a special form of life insurance. A distinction is made between statutory pension insurance GRV ("old-age pension") and private ...
There is no single best answer to this question, because there are numerous forms of old-age provision. And depending on your situation, different pr...
The pension allowance describes the proportion of the pension which does not have to be taxed.
To calculate a fixed interest rate mortgage, you will need to know the loan amount, the loan term (length of time to repay the loan), and the fixed inte...
Interest rates can have a significant impact on the real estate market. When interest rates are low, borrowing money to purchase a property becomes more...
There are no special deductions for a second home. But it is possible to use the same deductions and write-offs that apply to your first home. Like the ...
It depends, in what context: If you are normally employed, then no. If you are the owner, and you are renting out a property, then you are able to deduc...
Never. Real estate belongs to the personal income tax, not the capital gains tax on. The income has to be filed yearly with your other streams of revenu...
In Germany, real estate does not fall under the capital gains tax “Abgeltungsteuer”. Both, profits from sale and rental income are filed under your ...
The commission for a real estate agent depends on your place of residence, but in most cases they will be between 2 % to 5 % of the value.
