To save
You can complete your pension by saving. This is possible
by paying where periodically an amount on a spaarrekening, you can
rather take the money of. Generally higher interest compensation
applies if you take a spaarrekening with minimuminleg and/or
prerecording restriction. Also it is possible a certain amount
in a time on a spaarrekening put. Because you have the money
provisionally not necessary, you can paying on a spaarrekening with a
fixed duration and a fixed interest (e.g. depositorekening). You
cannot it money then free take, but it is possible that you get then a
higher interest. The interest compensation is generally higher
as the duration is longer. There is also a possibility by means
of the employer of saving by means of premium couple regulation and
salary savings scheme. These savings are fixed on an account and
are released after four calender years. The saving can become,
however, used to pay the premiums of a life insurance. This life
insurance can serve as extra supplement on the pension. Save has
to however as a large disadvantage that income tax is levied there
concerning the interest income of spaarrekeningen.
To convene
You can complete your pension by convening your money. You
can convene in shares, obligations, vastgoed and options. This
can do you individually or collective (with a group people).
Collective convenes the money has is managed professionally and
provides a cost advantage as an advantage that. You can convene
also in mixed funds. A mixed fund is a mix of shares,
obligations and vastgoed and is regularly adapted to the economic
expectancies. You have to a risk convene run as a disadvantage
that. You can stipulate never for hundred per cent certainly the
future stock exchange index of securities. The large advantage
of is convene that you gain, if you do it well more output concerning
your capacity then when you would save the same amount. If risk
is higher, then the output is frequently also higher. Most of
the risk runs you with share funds, the lowest risk with obligation
funds.
Life insurance
A possibility to of ensuring a carefree old day is taking a life
insurance. There are several types life insurances. At
concluding must be paid attention at the desired time on which the
benefit takes place; insurance at death and insurance at life.
In the first case it is paid at dying an insured person.
These are insured on the termination date still in life, for
example on 65 year-old age, then nothing is paid. In the second
case it is paid there if the insured person is still in life on the
termination date, for example if the insured person 65 becomes.
If the insured person dies for this termination date nothing is
paid there. At both is therefore not certain that is paid there.
A combination of both aforesaid form, a mixed insurance called,
always reaches benefit. Moreover a classification can be made
there to the way in which the benefit is supplied; all of a
sudden (capital insurance) or in periods (interest insurance).
The premium to pay for a life insurance can be paid in two
manners. The amount can be paid in a time (single premium
policy) or in the form of a periodic premium, for example monthly
(premiepolis).
A supplementary pension can be obtained in manners
therefore several a popular form is the annuity insurance. An
annuity insurance turns periodically (for example monthly or per
trimester) from if a person at a certain time (termination date) is
still in life. In case of extra pension supplies the termination
date reaching 60 or 65 the person whose birthday it is age is.
The flexible insurance wins more area. An example of a
flexible insurance is the United Linked insurance. With a part
of the paid premium the insurance company will convene. The
placement is possible in a number of funds or in a mix of the funds.
It is switch for the policyholder possibly between the offered
placement possibilities.
Overwaarde house
The overwaarde of your house are the difference between the
value of your house and the remaining mortgage debt. This
difference can arise because a part of the mortgage has been relayed
or by the increase of the value of your house. You can determine
the overwaarde of your house in the following manners:
Appraisal: a disadvantage of appraisal is that free
duration is
To compare: if just a similar house has been sold at you
in the buurt, then can examine you what which house landlord is
To exploit the overwaarde of your house, you can conclude a
raised grace mortgage. Because you do not have and relay the
interest deductible are, the month charges remain limited. With
the money which is released you can buy a single premium policy,
annuity insurance or placement portfolio after deducting the financing
expenses. A single premium policy is a life insurance where the
premium in a time is paid. At a life interest the premium is for
example paid monthly periodically. These products can produce a
good output by means of koerswinst and dividend. This extra
output can you among other things use for a supplement on your pension
benefit or for if you want stop rather with work.
If the interest of the new mortgage is deductible, depends
on where you the money used for. It is for consumer use, for
example for buying a car or boat, then deductibility has been limited.
At improvement of the house the interest calculation is
entirely. At convene or completing the pension is the interest
not always entirely deductible. You let inform therefore well
before you decide your overwaarde to exploit.
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