Alcuni mesi fa ho creato questo piano di risparmio con wustenrot. Penso che anche il mio posto di lavoro dia dei soldi se risparmio questa somma per l’alloggio, ma non ne sono del tutto sicuro. Inizialmente ho impostato un piano per risparmiare 100 euro al mese. Pochi giorni fa ho ricevuto questa lettera. Francamente non capisco cosa significhi e perché dovrei mandarne altri 2200. Non avevo un piano di risparmio e inizialmente mi è sembrata una buona idea tramite wustenrot. Ma qualcuno può spiegare qual è il vantaggio di questo tipo di piano di risparmio e perché non sarebbe una buona idea inviare 2200 euro? O dovrei investire in qualcos’altro, come l’ETF? Quanti giorni devo inviarlo? Fine di quest’anno?
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di happyvoxod
4 commenti
You can ask on r/finanzen
In principle Bausparer are very conservative, safe, but low interest. There are some subsidies from the state for it though.
Like the other comment are said ask on r/finanzen.
And for the future, do not sign anything that you do not fully understand.
Afaik you pay an acquisition fee for “booking” the saving plan and the “Variantenpreis” is an additional fee for your saving plan. To be fully sure you should ask the Wüstenrot consultant. Canceling your savings plan could be somewhat difficult depending on your contract with them. Good luck!
I just want to mention, Bausparen is fucking dumb. Especially I don’t recommend you Wüstenrot, they have tricked/scammed me before, so fuck that company.
If you can still stop the contract, I’d do so.
One of the most important rules of finance for beginners is probably to only invest in products you really understand. Probably worth to read into the finance in Germany matter, your contract details and then decide to invest into something you understand and that meets your requirements. Some people say a little safety buffer on a Tagesgeld account and a simple long term savings plan on a globally investing ETF is one possible simple beginner strategy.
Without knowing all terms and conditions of your contract it seems you need to transfer more money over to fulfill the conditions of the contract. Might as well needs a certain initial amount to be actually effective (ie. get the state tax benefits). They did not set you a hard deadline yet, so that might follow in a future mail. Currently its just a friendly reminder.