There are now on the savings and not once on the total contribution, only a current yield including the guaranteed interest rate in section 3.94 percent. To be added but still end surpluses and shares in the valuation reserves of life insurance companies. These two positions are not guaranteed but. The assumed interest rate in height is instead guaranteed on the duration of the contract of 1.75 per cent for all policies concluded for this year. In addition, that the insurers in the face become more severe regulatory capital over Solvency II can invest less and less money on the stock exchange.
The global financial sector driving roller coaster”and even States are in financial trouble held impossible. With the investment in supposedly safe asset classes to the statutory capital forming life and pension insurance also bonds include-, customers are affected suddenly by the debt crisis in a country directly by capital-forming life and pension insurance. Citizens should understand in principle that security at the expense of potential yields is and is to be expected in the future with a lower return on financial investment products and of course traditional pension and life insurance”, added Andreas Wurscher. The ATLANTICLUX Lebensversicherung as providers of unit-linked insurance is another way for years. The offered products, the customer funds be invested in managed investment strategies. Policyholders are ausgeschlossen, because the customer is directly involved in the investment success of the chosen investment strategy. The unit-linked pension insurance offers customers the chance to be involved in the investment strategies directly in global financial markets. Since an old age provision contract on a long-term accumulation process is directed, a UPS and downs on the stock markets is not tragic for our customers on the contrary, the customers benefit from the cost-average-effect.” Considerations in the past showed that in General continuous investments in investment and equity more profitable than traditional, conservative investment products. We can take a possibly existing uncertainty due to the financial market situation by the investment strategies differently designed by investment area and on the other to our 2008 initiated capital and profit safeguard our customers”, explains Andreas Wurscher by FWU. This we can do the balancing act between attractive investment opportunities and reassuring security of age pension product!”