Pension - how should I start saving for old age?
Twitter 0 (NULL https://twitter .com / share? Original_referer = http% 3A% 2F% 2Fblog NULL. Advice i-Safe .com%2F&source=tweetbutton&text=Pokojnina+%26%238211%3B+kako+naj+se+lotim+var%C4%8Devanja+za+starost%3F&url=http%3A%2F%2Fblog NULL. Advice i-NULL.% 2F2010 com% 2F04% 2F07% 2Fpokojnina-how-to-be-I start-saving-for-age% 2F & via = osebnefinance)
Your question: To me Pensions separated for about ten years. During this period, I intend to additional savings, because then I would like to receive payment sociologists for women in society in the form of a monthly annuity. Insurance agents we only offer life insurance for a period of at least ten years, that would be exempt from tax, but every spits on competition, so I'm a little confused. Are there even any other annuity savings opportunities with other financial institutions? Do you consider a good offer insurance? What would you recommend for additional pension? Country is slowly getting your hands on care for our pensions, so many people put these issues. Most, however, also raises the question, where is our money.
Our response: Given that you are to retirement separated for about ten years, sociologists for women in society I assume that you do not have family members who are highly or completely dependent on your income. After speaking home if you have children, they are likely to be financially secure. If you are married, your wife probably receipt of revenue and the premature death of your potential major financial problems would not have. Even if none of the above is not true and living sociologists for women in society completely alone and without children, I assume that you have a roof over your head, so you own an apartment or house. If any of these combinations is true, then you do not need life insurance. If you know what you do not need, you're already one step closer to a solution that will suit your lifestyle and financial situation. As far as insurance agents - if you instead of your problem rather deal with the criticism of the competition, I wonder why with all wasting your valuable sociologists for women in society time. Is a wealth of information you can get online and leap towards a more comprehensive understanding of individual financial solution is the easiest way. It is also true that most people do not take enough time to learn before they take such an important decision such as saving for a supplementary pension. Thus, purchases sociologists for women in society of financial products often fleeting, or just the result of a blind trust an individual and / or company marketed.
The majority of Slovenians believe that insurance companies are focused only on collecting money. How not to be. Most Slovenes have decided is inappropriate form of insurance. sociologists for women in society Insurance companies are conservative financial institutions that are willing to take on a variety of risks and share with the insured to a certain acceptable sociologists for women in society limits of course. If the insured well enough to know what they are buying for market anomalies that have been observed in our market, much smaller. Do not misunderstand me, criticism is primarily intended for unethical and extremely aggressive marketers of financial products and intermediaries without adequate financial knowledge and experience. I wonder is it nezahtevnosti Slovenian consumer. How much money do I need
Let's see how it would be sensible sociologists for women in society to address your case. I'll sociologists for women in society overlook the simple instruction that ignores sociologists for women in society the majority of savers and investors. Before an individual decides to save for a specific financial goal, it is essential to assess as accurately as possible. Pertinent question is: "How much money do I need for my financial goal?" Question otherwise sounds simple, but most neglected and not paid him enough time. Consequences? Saving and investing is mindless, expectations are usually high (or offer unrealistic sense of security), disappointments sociologists for women in society are therefore much greater.
While it is often observed that the deficit (loss of income upon retirement or pension gap) can not be sufficiently sociologists for women in society evaluated, but I shall not agree with this. On the website of the Institute for Pension and Disability Insurance sociologists for women in society (IPDI) http://www.zpiz.si/ZPIZZ/ (http://www NULL. ZPIZ NULL .si / pizza /) any individual can make indicative calculations, good enough for calculation of the amount calculated percentage and realistic insight into the financial deficit at retirement. This is a prerequisite for mature supplementary pension plan everything else is like shooting clay pigeons blindfolded. sociologists for women in society Make calculations
Compulsory do the calculations! These are especially important because you decided relatively late to save an additional pension. Ten years until his retirement a short period, the cash deficit, or the gap will need to be replaced or filled for at least another 20 years from the date of retirement. If your standard of living do not want to heavily modified, I recommend that you take this advice very seriously. Otherwise, it may happen sociologists for women in society that you will be a financial burden to their loved ones, but this is the worst. Inventory
The next very important step is an inventory of personal assets sociologists for women in society - from means of transport, real estate, shares, savings Inv
Twitter 0 (NULL https://twitter .com / share? Original_referer = http% 3A% 2F% 2Fblog NULL. Advice i-Safe .com%2F&source=tweetbutton&text=Pokojnina+%26%238211%3B+kako+naj+se+lotim+var%C4%8Devanja+za+starost%3F&url=http%3A%2F%2Fblog NULL. Advice i-NULL.% 2F2010 com% 2F04% 2F07% 2Fpokojnina-how-to-be-I start-saving-for-age% 2F & via = osebnefinance)
Your question: To me Pensions separated for about ten years. During this period, I intend to additional savings, because then I would like to receive payment sociologists for women in society in the form of a monthly annuity. Insurance agents we only offer life insurance for a period of at least ten years, that would be exempt from tax, but every spits on competition, so I'm a little confused. Are there even any other annuity savings opportunities with other financial institutions? Do you consider a good offer insurance? What would you recommend for additional pension? Country is slowly getting your hands on care for our pensions, so many people put these issues. Most, however, also raises the question, where is our money.
Our response: Given that you are to retirement separated for about ten years, sociologists for women in society I assume that you do not have family members who are highly or completely dependent on your income. After speaking home if you have children, they are likely to be financially secure. If you are married, your wife probably receipt of revenue and the premature death of your potential major financial problems would not have. Even if none of the above is not true and living sociologists for women in society completely alone and without children, I assume that you have a roof over your head, so you own an apartment or house. If any of these combinations is true, then you do not need life insurance. If you know what you do not need, you're already one step closer to a solution that will suit your lifestyle and financial situation. As far as insurance agents - if you instead of your problem rather deal with the criticism of the competition, I wonder why with all wasting your valuable sociologists for women in society time. Is a wealth of information you can get online and leap towards a more comprehensive understanding of individual financial solution is the easiest way. It is also true that most people do not take enough time to learn before they take such an important decision such as saving for a supplementary pension. Thus, purchases sociologists for women in society of financial products often fleeting, or just the result of a blind trust an individual and / or company marketed.
The majority of Slovenians believe that insurance companies are focused only on collecting money. How not to be. Most Slovenes have decided is inappropriate form of insurance. sociologists for women in society Insurance companies are conservative financial institutions that are willing to take on a variety of risks and share with the insured to a certain acceptable sociologists for women in society limits of course. If the insured well enough to know what they are buying for market anomalies that have been observed in our market, much smaller. Do not misunderstand me, criticism is primarily intended for unethical and extremely aggressive marketers of financial products and intermediaries without adequate financial knowledge and experience. I wonder is it nezahtevnosti Slovenian consumer. How much money do I need
Let's see how it would be sensible sociologists for women in society to address your case. I'll sociologists for women in society overlook the simple instruction that ignores sociologists for women in society the majority of savers and investors. Before an individual decides to save for a specific financial goal, it is essential to assess as accurately as possible. Pertinent question is: "How much money do I need for my financial goal?" Question otherwise sounds simple, but most neglected and not paid him enough time. Consequences? Saving and investing is mindless, expectations are usually high (or offer unrealistic sense of security), disappointments sociologists for women in society are therefore much greater.
While it is often observed that the deficit (loss of income upon retirement or pension gap) can not be sufficiently sociologists for women in society evaluated, but I shall not agree with this. On the website of the Institute for Pension and Disability Insurance sociologists for women in society (IPDI) http://www.zpiz.si/ZPIZZ/ (http://www NULL. ZPIZ NULL .si / pizza /) any individual can make indicative calculations, good enough for calculation of the amount calculated percentage and realistic insight into the financial deficit at retirement. This is a prerequisite for mature supplementary pension plan everything else is like shooting clay pigeons blindfolded. sociologists for women in society Make calculations
Compulsory do the calculations! These are especially important because you decided relatively late to save an additional pension. Ten years until his retirement a short period, the cash deficit, or the gap will need to be replaced or filled for at least another 20 years from the date of retirement. If your standard of living do not want to heavily modified, I recommend that you take this advice very seriously. Otherwise, it may happen sociologists for women in society that you will be a financial burden to their loved ones, but this is the worst. Inventory
The next very important step is an inventory of personal assets sociologists for women in society - from means of transport, real estate, shares, savings Inv
No comments:
Post a Comment