you know the "12/60" rule? Accordingly, life insurance, provide an adequate life cover, run for at least twelve years and after the 60th Years to pay come tax benefits currently: only half of the profit derived are then steuerplichtig - for the personal tax rate. This, however, even with the wealth tax rate of currently Currently 45 percent cheaper than the full taxation of income to the flat tax rate of 25 percent, as is currently an investment savings plan such as the rule. Quite possible that this privilege is gone soon.
If, after the financial expert of the CDU parliamentary group, Klaus-Peter Flosbach, goes to the 12/60-Privileg be extended to other retirement savings plans such as mutual fund savings plans - a long-standing demand of the fund association BVI. In this way, one hopes on the part of policy, that the Germans invest more in private pension plans. However: The subsidized monthly savings rates should be "capped appropriate be, "said Flosbach," to prevent improper use of the promotion.
For life insurers such would be a step in the legislature but in any case a fresh blow: In view of mini-market interest rates at the Neuabsatz of policies more difficult. Not exactly a marketing argument is that the federal government wants to lower the guaranteed interest rate that applies in any case only for the savings portion of the insurance premium from the current 2.25 percent to 1.75 percent. The result: In some cases insurance companies currently already put its new business completely one - or they will shift the investment risk to the private investors by strengthening Insurance in fund form offer.
While the fund lobby, is looking forward to the General Association of German Insurers defends against the plans of the Union Group, as media reports on impact of tax cuts and that a savings contract with bank or fund company of each bond moment is lacking, it was important for retirement. The fact is, however, that each year many consumers cancel their life insurance because they can not afford the rates permanently - and celebrate this step, especially in the early years of saving still whopping losses. to refer to the binding moment, in this context sounds almost cynical. From my
View, the project of the Union Group welcomed. For all products that serve the long-term wealth accumulation, tax should apply the same rules. There is no reason that is privileged by the state because of a Vorsorgeweg. The tax incentives to a few (!) Certain criteria, such as to make the 12/60-Regel is desirable in any case. Perhaps a better alternative or a supplement, it would be possible, however, all citizens a year to give such a rich savers standard amount of capital income of any form at this level is free. The citizens could then decide how to save up money for retirement - whether is via insurance, funds, ETFs, bonds, equities, fixed-term & Co. But, I fear, likely to remain a pipe dream. reached
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