The terrace model of asset building – even if advertising and Bank advisors claim otherwise: There are important financial decisions that need to be addressed before retirement. Proceed in silence and step by step. The car is junk and the washing machine won’t drain the water? If you now need to overdraw your account, because everything that is left of the content plug in-bound set pension products, then you have done something wrong understanding. Before you begin retirement, make some other important decisions. The terrace model of interest is helpful. After each stage of the terrace should be followed.
The first level is the ongoing payments. For this you need a checking account. There should exceed a monthly take-home pay, because the money is usually not or hardly any interest. When choosing a current account you check in advance, that it suits you and is not too expensive. Comparison sites help often on the Internet.
Have you noticed anything, then you can check off one level and move on to the next. The terrace model of interest with this model for systematic asset accumulation safeguard your liquidity and avoid the danger of having to cancel long-term contracts to Unzeiten. 1 terrace 1: Ongoing payments for this you need a checking account. Here, no more than a monthly net salary should be because the money usually no interest will be paid and thus discards any returns. 2. terrace 2: The “nest egg” in a day cash account should be the reserves for short-term spending available anytime. About two or three Nettogehalter are indicative for the amount. 3. terrace 3: Money for bigger purchases here save for planned targets: a new car, or the Foundation for a House. Appropriate forms of investment are federal bonds, pensions, real estate funds. 4. terrace 4: Retirement ends up the money that remains after the first three steps at this stage. Suitable products are also sponsored pensions or a real estate equity funds.