The situation: I am nearing retirement, have money in a money market account, which brings nothing more.

The question is: How can I create the money for my pension? How can I find funds or ETFs in which the Saved will be through commissions and have devoured to discard my lifetime, even what. And it has to be for me, as a layman also tradable.

reply from Gernot Arendt, managing Director of the Institute for retirement planning, Munich: PR Gernot Arendt With funds, and ETFs you are basically already on the right path. Funds have the advantage that they are always available for sale, a wide scattering of grant and, in the case of the custodian and designated special funds. Possible insolvency of the investment company or the Bank is, therefore, not on the special assets, so that full investor protection. New Service to FOCUS Online

taxes, retirement, insurance, career, house-building, money – : you Have questions about consumer issues? Then send us your request and our experts will provide you with your advice. Just send an E-Mail with the subject “My question” to meine-frage@focus.de.

Please note that we answer due to the many requests, currently only the cases, which we also publish. Thank you for your understanding.

Since you are on the verge of Retirement, however, consider the following: An ETF is an index Fund and is the Index 1:1, i.e., up and DOWN! Therefore, there is a potential for setbacks should be always taken into account. How useful this is, is shown again. The losses are piling up quickly to 25 to 30 percent of the financial market crisis in 2008, there were even more than 50 percent.

recovery phase, can only sit by and wait for the one who has plenty of time

Important: you will Lose a third, even a price increase of 50 percent in order to be pari; in the case of a 50 percent loss Rate, it takes even a kurvers duplication, so 100 percent. You have enough time, you can sit out the recovery phase.

you got a nerve this time or not, I recommend Fund and Fund asset management (also known as ETF-variant) with an automated hedging mechanism. It is defined by a mathematical algorithm of a trend line.

below, the price falls below this line, is triggered at the custodian Bank an automatic sell signal, and all of the funds are sold. Of further losses is involved. The rates rise again, the algorithm in the same way, a buying signal, it will automatically be bought back Fund. You make more of your money!

are you looking for investment opportunities for your money? Independent financial experts to make the wealth check. You just need to register! The Check is free of charge, and a fortune of 100,000 euros makes sense. A action of FOCUS Online and in the V-Bank.*

*FOCUS Online receives for each logon to the net assets Check is a compensation.

Everything you need to know about your pension

Our PDF guide explains on 100 pages the answers to all the important questions around the topic of retirement. Plus 58 Pages Of Forms.

PDF guide