Tag Archive: insurance & pension

Information About The Correlation Of Asset Classes Currently Valid

The so far valid rule, that there are a number of asset classes, which evolve independently, seems to be 2008 no longer valid in the year of the financial crisis. Investmentsparen.NET informs: until the outbreak of the financial crisis 2007/2008 there were asset classes, which have developed according to General knowledge and based on the experience of decades of relative or even completely independently of each other. Was advised in the course of modern portfolio theory because even to build the own portfolio from as little each other correlated asset classes. In recent months, ConocoPhillips has been very successful. There was solid scientific research which asset classes developed with each other exactly how. Interested readers on information about korrelation.html. Since early 2008, these facts but seem no longer to apply.

Not only the stock markets went on descent, also bonds, commodities, precious metals and real estate lost in value. Was general until accepting of the independent value of individual asset classes no longer valid? The Answer is a clear no. The correlation theories are still valid, only there is a such uncertainty in the markets that investors on the one sold about what was in the portfolio, and other investors since the beginning of 2008 due to the had to make as Deleveraging driving back credit lines forced sales in their portfolios. While the assets were sold of course as first, had developed until then still best kept say regardless of the actual crisis. In the long term, there will be the correlation with security in its old form. The best example since few months Government bonds are vast sums of money have redeployed in which investors all over the world, because they see this asset class as the safest. Treasuries have evolved so in this time regardless of the events in the equity markets or ran even in opposite directions to do so. For this reason investors should take into account continue the broad of correlation in building an own portfolios and different Combine asset classes with each other. Daniel Franke

Selling Life Insurance Is The Second-best Solution

There are a variety of reasons, why do people separate from their life insurance policies and sell their life or pension insurance. While the sale of insurance is still the exception. The majority of citizens simply announces his life insurance money. Accordingly, resulting losses. For many years consumer watchdogs and market participants are not one hundred percent sure whether you should sell its insurance or simply to rest.

This has but rather something to do that through the sale of life insurance, the entitlement of the risk protection is lost. This can present itself but much easier through a pure risk life insurance. Namely to make his life insurance money on rest, administration fees continues. That bit, what mostly has built the insurance, thus also less and less \”, explains Jens Heidenreich, who heads up the project of LV doctor. LV doctor is one of the leading platforms in Germany, which supports owners of life or annuities. This can be also to already announced insurance companies. Usually you queries first the so-called surrender value at the life insurance company. This is the value that is to one, when it announces a life insurance policy.

Here you should be careful, because there is a judgment of the Supreme Court, the Federal Court of Justice, whereby higher refunds at the termination of an insurance policy are available to citizens, as many life insurers want to voluntarily pay. In addition, you should inform himself elsewhere before it announces a life insurance policy. The platform LV doctor is as a place apart from the consumer centres. Also the secondary market for insurance, which is offered for several years in Germany provides an opportunity. Its purchaser specialise in the purchase of life insurance. The provider of the secondary market often offer a higher value than the buy-back value because they want to continue the insurance and profit from the so-called final victory.