Reorganization of finances after house construction, building savings contract, occupational pension scheme, Riester

repayment is worthwhile. sell building savings contract

by the way, there are no "safe" stocks. any company can collapse like a sack of rice. the stock market is not a one-way street. i don't think much of Riester, but you have an old one with a high interest rate.

increasing company pension scheme could be worthwhile. does a disability insurance exist?

thanks for the report. The building savings contract would have been gone a long time ago. But what do I do with my girlfriend's employee savings plan? We already asked the employer. They are inflexible and don't know about ETFs etc.

Of course, stocks are not safe. But for me, there are assets that, in my personal opinion, are safe enough for me to sleep peacefully at night. If I then suffer a loss in 15 years due to something, then I just had really bad luck. But I only invest a small amount and would never put everything solely into stocks or one horse.

Disability insurance is in place. The house is also insured. What is not in place is a life insurance (we are unmarried). Currently, we are not thinking about taking out another one.

Hi,
my economics go directly into the (alte) home financing, which will be completed next year, then it will go into the new one.
Regards, Olli

repayment is worthwhile. sell off building savings contract

by the way, there are no "safe" stocks. Any company can collapse like a sack of rice. The stock market is not a one-way street. I don't think much of Riester, however, you have an old one with high interest.

Increasing occupational pension provision could be worthwhile. Is there disability insurance?

What is still safe nowadays? Exactly why you shouldn’t put all your eggs in one basket. Anyone for whom an ETF yields too little return and who prefers individual stocks must diversify, then it doesn’t hurt if a company crashes.

We have the VWL paid into an ETF selected by us. There are various providers that offer this. The employer simply receives the certificate indicating where to transfer the money.

Whether it is then an ETF or a building savings contract does not matter.

But what do I do with my girlfriend's VWL? We have already asked the employer. They are inflexible and don't know about ETFs etc.

We let the VWL be paid into an ETF selected by one of us. There are different providers who offer this. The employer simply receives the certificate indicating where to transfer the money.

That's exactly right. Just talk to the bank you trust. Some cannot offer VWL for ETFs, but usually they have other equity-based products for VWL. The employer doesn't care where they transfer the money.