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European Court of Justice: unisex rates are required

The European Court of Justice (ECJ) has ruled: Insurance have to offer in the future uniform rates for women and men. Old contracts are not affected. The industry fears costs.
The sex must not be more than one risk factor in the cost estimate received from insurance contracts. This is what the judges in Luxembourg on 1 March held (Aktzenzeichen C-236/09). Different fees for women and men are therefore discriminatory.
The insurance industry has now to 21 December 2012 time to change their insurance rates and offer unisex rates. The Court referred in the grounds of the EU Equality Directive of 2004th This gender neutral unisex rates are in principle already from 21 December 2007 provided. The insurance industry had been relying on exemptions.
Equality Directive is on 21 December 2012 be reviewed. Thus the objective of equality is not undercut, exceptions are permitted after that date in any case the verdict of the judges in Luxembourg.
The small difference
insurance rates have so far been calculated according to statistical risk. The sex is one of the determining factors: How have women because they live statistically longer, pay higher fees for private pensions than men. For the fair sex often paid less for the Motor Insurance , because women on average build fewer accidents.
The industry estimates that it now comes to cost increases across the board. The General Association of German Insurers (GDV) warned in advance of the ECJ decision in tariff increases. Consumer advocates see no basis for it. They point to the introduction of a uniform tariff in the Riester pension , after which the "Riester contributions have increased only moderately.
Source: www.dasinvestment.com

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Marc Faber: government bonds and bank deposits are not secure more

fight for oil, money glut-all everywhere: The famous Swiss investment professional will recommend to buy gold and silver.
When economic crises and geopolitical tensions dominate world affairs, it is to have as gold and silver. This position is supported by Marc Faber. The famous Swiss investment professional and author (Gloom, Boom & Doom Report) recently spoke at an investor conference in Bangkok. In his opinion, government bonds and bank deposits are not secure more protection from market fluctuations.
"The U.S. wants to keep interest rates low and expanding the money supply in order to reduce public debt, which is four times larger than the economic performance," Faber said, according Comodity Online. The believe that the Interest rates below the inflation rate. And that is an ideal environment to invest in gold and silver. Government bonds and financial investment on the other hand would lose its value.
What about equities? "There will be times as from 1990 until 2008 when gold is more developed than equities, and vice versa in 2009. But the key is flexibility. We do not know how the world looks like in 10 years, "said Faber.
He expects either way, still higher precious metal prices. The increasing demand for oil in emerging Asian countries and the revival of U.S. energy demand could lead to a worsening geopolitical crises in the Middle East and other oil-producing regions. This will also boost the prices of raw materials and precious metals.
Source: www.goldreporter.de

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need 40 percent of Germans advice

40 percent of Germans would like to go to a investment adviser, the result of an investor's study, which was commissioned by the Gotha Asset Management carried out . For the staff that are even close to 50 percent.

Bad times for fund companies: only about 9 percent of the total of 950 citizens surveyed said they investing their money in funds. On day money put 12.9 percent on time deposits 16.8 percent. Almost one-third preferred the savings bonds. In total, just
Once little more than half of respondents (53 percent), ever to have a investment .
"The reluctance of the investment also reflects a degree of uncertainty of consumers' financial affairs," said Gothaer Asset Management. So do 40 percent of respondents a consultant to assist it in the long term selecting funds, stocks, and a sensible structure their portfolios . When the staff is accounted for almost 50 percent even higher.
Source: http://www.dasinvestment.com

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fear of inflation, pensions will remain the focus

One recent study by the German Institute for Pensions (DIA), according to almost all German expect an increase in inflation. For more than one in two is a big problem. How the Germans want to save the future.
expect 86 percent of Germans for the coming years by rising prices. Many are therefore also concerned about their retirement. This is the result of a recent representative study by Forsa on behalf of the German Institute for Retirement Provision (DIA), for which 1,000 people were surveyed over 18 years. Accordingly
expected 42 percent with an inflation rate of two percent on average, every fifth person charged with three, one in ten respondents even with more than three percent.
For 57 percent of Germans Inflation by a large or very large problem, 43 percent feel is less affected. Especially East Germans (67 percent) and women (63 percent) consider them with above-average major concern.

It will save no less
This does not automatically lead to a change in savings behavior. 59 percent would save more than today. 71 percent would do specifically to save up for their retirement as much money as it is today, 14 percent would want to save more here.
hold for the safest form of investment in this context, three out of four respondents (75 percent) owner-occupied properties. 62 percent call it real estate and land as an investment. Multiple answers were allowed. Considerably less agreement
receive endowment policies (32 percent), the Riester savings (30 percent) and savings (28 percent). Even fewer hold shares and equity funds) (18 percent) and interest rate securities (12 percent) for an asset that protects against the effects of inflation. Gold (2 percent) and other precious metals (1 percent) play no part in the survey.
Source: www.dasinvestment.com

This survey shows us once again the urgency of the issue inflation. However, forces itself on these results, the question: "Why play for the Germans, the inflation-protected investments in precious metals such a small role? "
Could it be perhaps that the German has still not realized that the beloved paper money will be in the not too distant future to what it actually is, namely ONLY paper" and the legal rights and often only on paper is no real value?
what needs to happen in order for the German wakes up?
obviously all you have deleted the fall of 2008 from memory!

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may change health insurance save up to 300 € a year

So far the comprehensive collection of additional contributions from the health insurance failed. Despite the uniformity of the monthly contribution there are significant price differences in statutory funds. Currently only 13 of the 148 health insurance levy an additional premium, 7 paid from the insured a premium.
are, however, the sums of additional contributions and refunds are very different. Shall levy an additional premium and the cash 8-15 €, while moving the refunds between 30 and 142 Euro. This results in an annual difference of more than 300 €.
"guarantee" Currently, 114 insurance companies for this year, no additional contribution, 14 others do not comment on them.
Should have brought your office not have any additional contribution, but do so in the current year, they have a special right and can move to a cheaper health insurance.

A comparison of health insurance worthwhile in any case.

They go right to terminate
the written form is prescribed. Saving money but long explanations. It is sufficient if they advise that the health insurance is terminated at the earliest possible date. Just make sure that her termination letter is present before the first maturity date of the additional contributions from your health insurance. This time they learn from the newsletters, which the banks must send in time before the survey. This
they prove the receipt of the notice also may be possible, the letter personally be delivered against receipt or sent by registered mail with return receipt. The termination is always active at the month end of the next month.
To be spared from additional contributions during the period of notice should your termination will announce as soon as possible after receipt of the Circular.
The confirmation of termination of your old fund, they must receive at least after 14 days, and immediately forward to the new one. If her current insurer would leave too much time with the confirmation, they check for sure.
from the new health insurance they receive a certificate which immediately changes the employer is not required. He must be of the change before the last day of membership in the old office to be informed.

Finally, an important note: Be sure to confirm the new health insurance that this rises to replacement time no additional premium!

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tax simplification in 2011: sham in the removal fee?

The black-yellow coalition parties tinker for months on tax simplification. But to read the proposed new arrangements between the lines, it is noticeable that tax simplification is not meant for tax payers. Also for the tax there should be simplification.

The best example of how the tax relief not only for the taxpayers thought, are the new rules are proposed for removal fee. Workers who commute daily to work and are both by car and by public transport on the road can currently choose daily whether the travel costs be better off with the traveling allowance or the actual travel costs. The Tax Simplification Act provides, by contrast, only a year-related favorable review. That is a simplification of the tax for the tax, but can lead to many commuters to lower advertising costs.

Tip: So watch out! Not every tax bill entitled "Tax relief" stuck facilities in it for the taxpayer. Such laws are often only a sham to win the favor of voters. The Taxpayers' Association has recognized the problem with the traveling allowance and also calls for improvements (press release from 01.09.2011).
Source: www.quicksteuer.de

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Dirk Müller - "Mr. DAX" - The Battle for €

Dirk Mueller is a stockbroker on the Frankfurt Stock Exchange. He has seen many turbulent trading days, some call him Mr. Dax, as he is considered the most photographed stockbroker. He was like no other on the face of the stock market, shows his feelings of euphoria and anxiety.
Shown here are a contribution to financial crash.



Müller has also written a book. Crash course means it is and the world economic crisis.

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Saxon court sentenced Clerical Medical to pay restitution

customer, the risk of the loan-life insurance concealed. This now are very good chances recover the money paid.

The British insurer Clerical Medical was already more frequent because of exorbitant returns promised with respect to (reported ProConcept AG) of the offered handle transactions in the criticism. More recently, the Higher Regional Court of Dresden, the company ordered to pay damages, because an agent of a client contract-related Circumstances has concealed. The Clerical Medical had pleaded that they were not the behavior of the agent must take responsibility for - but the judges saw it differently.

risk was
concealed Thus the Saxon court believes that existed in that case, a clear duty to investigate violations. The customer was suggested that the request received in the payment amounts are actually paid - but the insurance conditions were otherwise. The applicant had repeatedly asked for an actual risk - this question has always denied the mediator.

good basis for LV Doctor
The Higher Regional Court of Dresden has approved the revision, so that will most likely speak the Supreme Court judges the final say. ProConcept "Nevertheless, the spoken sentence is a further milestone in consumer protection," said Jens Heidenreich, director of the Doctor LV team the AG. "The positive developments in respect of Clerical Medical gives us and our customers a good chance of success, the recovered successfully in the life insurance money paid plus accrued interest." All the people that life insurance contracts with the British insurance company have completed and satisfied with these contracts are able to log on to the LV-doctor team or Financial Services in their area. Request more information at: www.lv-doktor.com .

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banks serve clients like an assembly line - Study

Bank consultants are groaning under the constant pressure and the delusions of control of their employers. And they seem to have hardly any choice in their work. A current study aims at identifying the problems.

take in many banks to the customer service lines of assembly line work, "concluded the researchers from the University of Oldenburg, the study, commissioned by the union Hans Böckler Foundation. The name is in plain text, standard products are as smooth as possible and are sold in large quantities. This set high targets and computer-based networks, the employees under permanent pressure and customer satisfaction are often perceived only as a key figure among many.
The problem is that banks now control almost all the work in the offices of an IT-based Customer Relationship Management (CRM). But the use of technology had a lot of work procedures specified in detail, the study says.
offer particular information technology is a good base to work with targets and control. IN PRACTICE, some banks before the consultants that every second customer contact should lead to a conclusion or advice no longer may take more than 30 minutes. The number of customer calls are often determined by the middle management. It "could customer satisfaction, from which one might think it was a long time seen the lifeblood of any sales organization to stand back behind the sales targets" would have goals such as, the researchers write.
control example, more than 90 percent of the surveyed banks on their sales and distribution targets. However, it is misleading to speak of this process of "objectives", complain the study authors. The reality has nothing to do. What arrived in the stores, you can candidly describe as a goal dictates. The activities of a consultant would usually once a week check - and the basis of certain indicators such as customer calls, number of calls and sales, meeting deadlines. The quality of the advice, the achievement of good interim solutions and intermediate levels, however, play no role. do
While the employees, the survey, according to the industrialization of the sales work is withdrawn, at least in part, the researchers believe that it initially continued in methods layoffs, short-timed and keep increasing requirements, constant sales pressure will. However, one could in the long run no successful service work of frustrated, kept under continuous pressure and in service to the public in rankings devalued expect employees.
The study surveyed 127 large and popular banks and savings banks. In addition, interviews were conducted on the impact of sales management in sales everyday.
Source: www.cash-online.de

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Federal Bank warns investors against banks

The central bank has many investment products to be too expensive and discourages investors from listening to the buy and sell recommendations by financial institutions. The idea that investors might be improved by skillful stock selection investment success, is an illusion.

The Bundesbank warns private investors from buying expensive products, which banks earn the most money. She recommends investors also depends to switch their securities or fund shares by frequently buying and selling unnecessary. there is for individual investors little reason to believe he could do better than others identify future winners or losers, the central bank warned in its latest monthly report.
buy and sell commissions are important sources of revenue for the financial industry. Analysts operate with their purchase and sell recommendations by the Federal Bank commissioned a bead illusion of investors who could improve it by skillful stock selection investment performance. The Bundesbank also warned against the mistake of many investors in the selection of investment products "the crucial role cost structures to neglect. " It highlights the sometimes high cost of investment funds and even the risks of certificates and recommends cost effective investment in publicly traded investment products that passively reflect a benchmark, known as Exchange Traded Funds (ETFs).

fees eat Income
According to a survey of the private Hamburger consulting company CapQM from the year 2009, the private investors given before the financial crisis a quarter to a third of its market return as fees and commissions to banks, investment companies, life insurers and asset managers. With investments worth 1.9 billion euros in 2007 households have the financial houses around 28 billion euros for the purchase, sale and management of their investments paid.
behind the acquisition costs for life insurance it would cost the administration of investment funds and their initial charge the highest costs. Simply by switching to lower-cost products such as passive index funds and longer holding the selected facilities once they waved according CapQM savings in investment costs of up to 10 billion € per year.
The passively managed exchange-traded index fund investors cost a fraction compared to the actively managed funds. The rule is: "The better known a stock market index, the an ETF replicates, the better the fund, "says Simon Nöth, fund analyst at Morningstar Rating House. A passively managed ETF on the German stock market index such as the cost of less than one tenth of the current charges against an actively managed equity funds for retail investors on average pay a management fee of 1.5 percent.
Even with the sales charges are passive funds is many times cheaper. For active equity fund investors pay subscription fees of up to five percent. ETFs are buying and selling rates, which are separated by a few hundredths to few tenths of a percentage point.

Active management does not pay
"The active management is similar to a zero-sum game, "the Bundesbank, in which the gain of one, the loss of the other. That means that the income of all investors, relative to the passive reference portfolio amounts to zero - and this against the costs generated by active management. After costs, the total return of all active portfolio is thus less than that of the benchmark portfolio.
Passive funds have indeed risen in recent years, but still dominated by public funds for private investors clear the active managed funds. The end of 2010 was the volume with 550 billion euros, around nine times as high as that of the ETFs.
Source: news.onvista.de

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low-interest: concern for the life insurance

Life insurers suffer from the low interest rates. They should therefore increase their reserves and to lower the minimum interest rate for new contracts. Both shows that the state is increasingly concerned about the model of life insurance. Insured can be more public pressure just right higher provisions and lower guaranteed future interest rates increase the chance that they get at the end of the term really does them the promised money. A complete new policy, but is increasingly unattractive.
Interest rates are still down - and that makes the German life insurers increasing problems. According to a report in the Financial Times Germany "urges the Financial Supervisory Authority of the industry, she was to the Provisions for completed in 1995 and 2000 policies increase. Otherwise they could have problems that their customers pay in this time guaranteed returns. Responsible for requirements and provisions, the Federal Treasury, which would change the so-called premium reserve regulation.

Life Insurance: On average, still 3.4 percent interest
insurance contracts that were completed between July 1994 and June 2000, must bear interest of at least four percent annually until the end of their term. In the current interest rate environment, it is difficult to generate such interest. Ten-year government bonds pay about currently under three percent. Insurers still have a cushion of previously purchased securities that give them a year significantly higher interest rates, but this cushion is shrinking because even with regular departures papers - that is, they shall be reimbursed by the federal government and other debtors. The money will then be recreated must bring, on average, only lower interest rates. Three percent rate of return is not enough anyway. Calculated over all contracts, credit life insurance companies have their customers on average at least 3.4 percent.
For the insured has no effect once the first attempt: Your interest rate is guaranteed to pay him, is for the provider - Not for the reserves would have to increase at the expense of their own profits. For shareholders of Alliance & Co. this could indeed be bad news, but, given the known problems - was predictable. So far, probably only a small part of the total affected over 95 million policies. After the year 2000, the guaranteed interest rate of 4.0 percent lowered gradually - in July 2000 to 3.25 percent, 2.75 percent in 2004 and 2007 to 2.25 percent.

guaranteed interest rate is down at 1
July 2011 could drop the guaranteed interest further. The Federal Ministry of Finance puts the pressure, the guaranteed interest rate then screwing down to 1.75 percent. Insurance industry and consumer advocates are biszum 14th January take position on the plans, after the Finance Ministry decides whether the interest rate will be reduced next year. Insurers must guarantee customers a maximum of 60 percent of the average government bond yield over the past ten years. Their average is to get data of rating agency Assekurata at around four percent. So still a guaranteed interest rate of 2.4 percent would be possible. The industry association GDV will therefore also reduce until January 2012 interest rate guarantee, and then only by a quarter percentage point to 2.0 percent.
The dispute over the guaranteed interest rate reflects the two opposing positions: the insurers want to for marketing reasons as much as possible to stay up - "guaranteed 2.25 percent" sells better than just 1.75 percent. The Ministry of Finance is rather safe. Marketing concerns of the industry can have the ministeriales cold. For it is one only that the insurer does not take itself too high promise - and then at the end of the state would have saved wohmöglich.
All such model calculations are based on a certain amount reason for optimism: They insinuate namely, that holds the Euro-zone that major countries do not go broke and survive all the banks about two-thirds of the investments of life insurers are in fact linked in any way with bank risks: banks bonds, direct loans to banks, bank deposits and mortgage bonds.
Against this background, the battle for the guaranteed interest rate ultimately an exhibition game: all those who have a policy, he may ultimately matter. For in the first 1.75 percent would apply only to new contracts and secondly, all insurers now pay considerably more than this guaranteed interest, namely, the guaranteed interest rate plus a voluntary profit sharing plus terminal bonus. The amount depends on what brings out the insurer returns from his investments.
The average interest rate for life insurance, according to industry sources in 2011 was around 4.1 percent. The alliance has reduced the return on their policies just from 4.3 to 4.1 percent, the Debeka lowered from 4.6 to 4.3 percent, Axa Life will hold the sum of the guaranteed interest rate unchanged at four percent and net income, as the old Leipzig (4.1 percent) and the Huk-Coburg-life (4.25 percent). R + V on the other hand decreases from 4.3 to 4.1 percent.
important to know the different sizes of return (guaranteed interest, profit participation and final income) do not refer to the total premiums paid, but the contributions after deduction of costs, risk premium and the commission of the insurer. That are averaged together 20 percent of the contributions of poorly managerial insurance about it.
Source: www.wiwo.de