Deutsche Vermogensberatung AG (DVAG) offers clients practical financial tips the Deutsche Vermogensberatung (DVAG) know from their advice daily: not always, this money is well spent. In the first half of 2009, the Germans have created 11.2 percent of their disposable income on the high edge so the Federal Statistical Office identified. As one of the largest independent financial institution knows the Deutsche Vermogensberatung (DVAG) the situation: often savers wrongly assess their financial possibilities, too late or did not act or simply important facts do not recognize. Deutsche Vermogensberatung (DVAG) warns against the five most frequently occurring financial errors: error 1: the retirement later move the experience that the Deutsche Vermogensberatung (DVAG) has, stating clearly: the rather begin with old-age provision saver, the more they benefit from interest and compound interest. Therefore applies to the DVAG: think sooner of later! \”.\” A Example: An old which monthly wants to put back year 100 euro until his 65th, gives away about 4,300 euros at an interest rate of four percent, when he starts instead of today in a year with the Save. . Assuming a yield of six percent, the savers waived by his waiting even almost 8,000 euros. Deutsche Vermogensberatung (DVAG) concludes: retirement later to move can cost money.

Error 2: In case of disability to the State put every fourth employee must leave due to health reasons early professional life this Book according to DVAG current statistics. All born in 1961 receive no State disability pension, but only a disability pension. The advisors of the German asset management for each individual case to determine how high should be a private insurance, after comprehensive analysis of individual customer situation. This is for full grant average less than 810 euros, so the German Vermogensberatung (DVAG). Who is not also privately hedged, it quickly becomes the charity case. Error 3: Adoption, accruing Riester allowances automatically the State Riester promotions must be requested, otherwise savers give away lots of money the Deutsche Vermogensberatung (DVAG) pointed out emphatically.