All Posts

In financial advisory, the term "market comparison" is often used as a selling point. But how is the result your broker presents to you actually generated? Do they calculate it themselves? Or do they blindly trust an algorithm? We take a look behind the scenes of the industry: at the role of broker pools and the mathematical weaknesses of common comparison software. What are Broker Pools? Very few brokers have direct contracts with all insurers on the market. That would be ad

In financial advisory, there is a trending buzzword: The Net Policy (Nettopolice). It is often considered the gold standard for cost-efficient retirement planning because it contains no acquisition commissions. However, "Net" does not always mean "Net." Different cost models and calculations exist in the market. Before you decide on a fee-based tariff, you should understand the mechanisms. Ultimately, it is not the name of the tariff that determines your investment success, b

When you buy a car, comparison is easy: You look at horsepower, fuel consumption, and trunk volume. These metrics are standardized and tangible. Private retirement planning is different. Here, we are dealing with products that accompany you for 30, 40, or 50 years. Yet, the figures presented to you in glossy brochures often tell only half the truth. We show you why the statutory standard calculations (PRIIPs) are often to your disadvantage and why many advisors completely for

Anyone wishing to take out insurance often faces a jungle of terminology. Is the friendly advisor truly independent? Or do they have to sell their employer's products? Here is the overview of the three main players in the German insurance market, their legal obligations, and why a look into the law books (§ 86 HGB) can be an eye-opener. The Insurance Agent ( Versicherungsvertreter ) The Insurance Broker ( Versicherungsmakler ) The Insurance Consultant ( Versicherungsberate

For most people, they are unavoidable: insurance, retirement planning, and wealth accumulation. Yet, the market resembles a jungle. Those seeking clarity often end up with one of the large, well-known financial sales organizations. But how do these providers really operate? Is the conversation primarily about your goals—or about the advisor's next career step? We take a look at the facts, laws, and analyses from market observers like Scoredex, which shed light on the often op

On social media, the real estate market is often reduced to quick "Fix & Flip" deals. However, those who truly understand German tax law know: the real leverage for wealth accumulation lies elsewhere. We analyze the legal foundations (§ 23 EStG, § 7b EStG, § 82b EStDV), debunk common market objections, and compare five validated investment strategies for long-term success. The Status Quo: The Limits of "Fix & Flip" for Private Investors The concept of buying a property cheapl

Anyone taking out private pension insurance often looks at the price tag first. Are the costs low? Good. But beware: A cheap car won't get you to your destination if the engine is missing. In retirement planning, the cost structure is the bodywork, but the Asset Management (the investment strategy) is the engine. We explain the interplay between these two factors and why the scientific alignment of your portfolio is ultimately more crucial than the last tenth of a percentage