Vienna-Life Lebensversicherung AG combines low fees with a highly flexible, individual and profitable investment strategy in its life insurance solutions. Life insurance and annuity policies can be used for asset protection and retirement financing.   As of January 1, 2022, the guaranteed interest rate for life insurance policies was reduced from 0.9 percent to 0.25 percent for new policies. And according to a media report, insurance customers can expect the lower guaranteed interest rate for classic life insurance policies to be maintained in 2023. The German Actuarial Association (DAV), as the highest authority of German actuaries, had already issued…

Life insurance policies under Liechtenstein law combine many advantages. However, savers should choose the insurance company carefully in order to secure the policy and the assets permanently.   The small Alpine country of Liechtenstein stands internationally for the highest financial and economic stability and solidity. Liechtenstein is a successful business location, has one of the highest industrial quotas in the world with around 41 percent of gross value added coming from industry and goods-producing trades, and generates a gross national product per inhabitant of around 165,000 US dollars, one of the highest values worldwide. The constitutional monarchy with a…

Interest rates have risen slightly, but inflation is soaring. And there is no end in sight. So what options do savers have to invest their assets in a reasonably protected manner and maintain long-term return opportunities?   These are gloomy times for savers. On the one hand, interest rates are rising only very moderately; on the other, a horrendous inflation risk is building up. Inflation is already more than seven percent, and annual averages of more than six percent are expected. The president of the German Institute for Economic Research (DIW), Marcel Fratzscher, even warns in a media report…

Savers have a great interest in consistently implementing sustainability at the investment level in their life insurance as well. They therefore need the certainty that only truly ESG-compliant funds are used in the insurance wrapper as well. The following applies: Life insurance and ESG-compliant investing belong inseparably together.   Climate change, child labor, digitalization, natural resource scarcity, violation of human rights, etc.: There are numerous problems in the world that are a cause for concern and that move many people. They are therefore looking for ways to invest their money with a good conscience and thus change the environment,…

After the extreme volatility of the crypto markets decreased in recent months, there was almost a semblance of stability. There were different signals that inspired confidence. However, the last few days and weeks have been devastating for the industry as supposed pillars of security have proven to be ineffectual. The conclusion remains, cryptos are still in their infancy and the classics of alternative investments are more trustworthy.   The intelligent investor likes to look around for alternatives. Alternative investments are often invested in because history has shown that when certain scenarios occur, their price goes up in contrast to…