by Ilka Fahmi, free economic advisor Munich, 13.08.2013 – every year investors suffer losses of around EUR 50 billion. Experts such as the Economist assume Andreas Oehler of the University of Bamberg. “The reason: wrong or poor Beratung.Dabei is the core of the problem quite simply: still most investors to a Commission consultant go because they avoid the costs which initially entails the honorary advice”, says the independent fee consultant and certified financial planner Ilka Fahmi from Munich. But that is a mistake. “For this, which can destroy entire assets or the complete pension losses.” Some practical examples from everyday advice by Ilka Fahmi illustrate this: case 1 – retirement: A doctors client was convinced with his previous measures from statutory pensions, sufficient to have made Rurup pension and occupational pension insurance. Blood test is full of insight into the issues. He had but not the loss of purchasing power due to inflation still the most unprofitable development his Insurance considered. The development one financial status-quo promoted but a gap during entire retirement up to 85 years of age of more than 800,000 euros revealed.
On this basis, he could initiate targeted changes and close this gap. Case 2 – capital investment on their own: A client wanted a possible low-cost plant and had collected funds (ETFs) valued at 50,000 euros, even a portfolio of passively managed exchange-traded himself. However, within three years, he suffered a loss of 16,000 euros. He had misjudged the risk. The money was now missing in planned real estate financing. Case 3 – insurance: The disability insurance completed some time ago on a Commission basis, an employee has a too low hedge, a risk period which runs only up to the age of 60, and also very bad conditions. Paid, this can cause the insurance pays out nothing at all”, as Fahmi. Therefore, he has the previous posts in Amount paid by 20.160 euros completely free.