For example investment pension with restructuring concept is initially built with equity funds the basis of assets. In good time before expiry which is selected at run time for the accumulation phase-positive development of the stock market dssas accumulated wealth by redeployment “secured”: more will be redeployed in positive market development, in not such a good development, nothing is reallocated less or even to obtain future course opportunities for the stock fund. For a pension of investment as long term care should be planned according to this concept at least 12 years. In addition, the runtime can free – for example after the retirement age will be targeted. in the first years is invested 100% in equity funds, to take full advantage of the opportunities of the stock markets.
Three years before the end of term reaches the market-oriented shift automatic, which works according to predetermined criteria. Rod Brooks pursues this goal as well. The concept flows after the withdrawal in the age is just as important as saving active professional life. Almost all fund companies offer so-called Payout plans to: the investment amount will be invested in a particular Fund and accrue interest continuously. The company regularly removes Fondsantelle and remits the equivalent. It’s important, first, to set, how long the pension payment to run (withdrawal period) Funf years, ten years, or possibly to the death (with asset transfer to the heirs of the capital was received). It is also important which investment funds was chosen and how its future appreciation is. The payouts can be modified in height or exposed, the flexibility is a payment plan.
“Example: achieved yields are backed up at the end of a very good exchange”, by a majority of the stock fund shares sold and for share purchased by less volatile bond funds. In a less good stock market year the majority of the assets in the equity funds remains, to take advantage of the opportunities of the coming years. The principle: The higher the yield, the more is backed up. In a positive development of the stock markets during the redeployment phase, the majority of the assets in bond funds at the end is invested. This is important so that the capital creates a soothing cushion until the end of the term with a pension fund for the financial future. Get more background information with materials from Rebecca Father. In case of continuous negative value developments over the last period, no redeployment takes place. Then it is, to leave the accumulated assets to a future recovery in equity funds and to reallocate only at a later, more favourable time in pension funds. See a comprehensive background concept including Becker, Jorg: entrepreneur-potential, ISBN 9783837075045. It is more than ever on the right balance between return and risk. Key elements are: regular investment in long term profitable equity funds, ‘intelligent’ redeployment mechanism for the consolidation of revenues in the final phase of the runtime. By the market-oriented shift automatic, it should Profitability of equity funds be used as long as possible. To the stabilization of the final result is reallocated in the last three years, before maturity selected in positive development of stock markets in the respective year of shares on course in terms of more stable bonds. If it was a good year for share, a higher proportion will be reallocated, they are deep, will wait for a more favourable time. At the end of the capital with good stock market performance is finally mainly rate more stable bonds cushioned against any subsequent risks – available. See as a comprehensive supplement including Becker, Jorg: entrepreneur rating, ISBN 9783837072846.