ots.Audio: Skandia Investment Policy allows tax savings through a wall
Berlin (ots) - Proposal:
When saving and investment, the Germans are still very conservative: More than a quarter (28%) has a larger amount of at least 5,000 euros to the savings account, a money market account or simply as a cash home. One recent poll by the Forsa Institute shows representative on behalf of Skandia Life Insurance AG. Among the 45 - to 65-year-olds is as high as nearly 35%.
The study suggests: still great uncertainty dominates the investment decisions of private retail investors.
Those who opt for mutual funds as investment benefits from profit opportunities, flexibility and transparency. Tax has a depot compared to other pension but significant disadvantages for the tax rises since 2009 the so-called flat tax: 25% to current earnings, another 25% for each sale or exchange.
This fund changes are just for longer-term investments from time to time necessary, said Dr. Franz-Josef Leven from the German Institute for Share DAI is: "One of the motives to change the Fund that the fund from its investment focus ago no longer meets the expectations of the retail investor . As it would hold pretty well if you can say: They convinced me no more, I'd rather invest in South America, Russia or Europe. And can then change accordingly. "
An alternative is the so-called linked policies, because the life insurance tax benefits are still. However, the unit-linked annuities have many providers often also disadvantages: the tax advantage is a decrease compared to transparency.
Transparency and tax advantages - the Berlin Investment and pension specialist Skandia solves this problem with his new one payment policy on life insurance.
Dr. Dirk Rathjen, Head of Investment, Skandia Life is: "The Skandia Investment Policy for all apt to say: I have money now to invest. This can be a running life, which may be a legacy that can be a bonus. It is also true: It is very attractive to people who say, I have money now in my investment portfolio. I would also like to redeploy, but so that no withholding tax will be incurred in the future. "
No flat tax, but still flexible: The customer may, over 140 high quality, proven fund up to 15 funds for its investment policy and choose to change at any time.
On-line access to the customer may be enabled at any time to obtain his personal investment and contract information. The optional premium service offers even more: Individual Investment reports inform about the current state of composition and performance of the contract.
Skandia Investment Policy transparency together such an investment accounts with the tax advantages of a unit-linked pension.
ABMODERATIONSVORSCHLAG:
For more information on Skandia Investment policy and its manifold possibilities, they get on the Internet at www.skandia.de / durchblick.
ATTENTION EDITORS:
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Press Contact, but also for life insurance quotes:
Skandia
Eva Genzmer
Kaiserin-Augusta-Allee 108
10553 Berlin
Phone: +49 30 31007-2873
