Opportunities | FIV | Magazine https://fivmagazine.com Sun, 15 Feb 2026 13:35:03 +0000 en-US hourly 1 https://wordpress.org/?v=6.8.5 Pension Book Recommendations: Financial Guide, Pension Guide, Statutory or Corporate? https://fivmagazine.com/pension-book-recommendations-financial-guide-pension-guide-statutory-or-corporate/ Sun, 11 Oct 2020 05:00:27 +0000 https://fivmagazine.com/pension-book-recommendations-financial-guide-pension-guide-statutory-or-corporate/ Pension book recommendations – Sooner or later, everyone has to deal with the pension. How the pension system works, when and where you inform yourself best, which mistakes you can avoid and which tips there are to increase the pension, we show you here. We also give you insights into investment options and the Riester pension. If you are interested in the topic of pensions, then perhaps the topic of successful investing is also relevant for you.

Retirement: Avoid mistakes and follow tips

Here you will find everything you need to know about pensions. With our book recommendations, you can really get smart and avoid mistakes when concluding the pension. Whether you’re a beginner or an advanced reader, we’ll show you the best and most helpful books.

Here’s another tip for you (external). What’s the best way to protect yourself from poverty in old age due to low pensions? The answer is: turning taxes into assets. Tax avoidance means building knowledge yourself. Online you can find a lot of (free) articles and tips on Lukinski.de: From real estate as an investment by renting to asset management to saving taxes with real estate (external). Everything free of charge from the expert.

Tip! Overview Wealth Building XXL – Book, Video, Tips & Tricks

If you want to build up private wealth and create financial reserves, there are a few things you should keep in mind. In addition to the tips you get in this article, you might also be interested in our extensive overview page. There you will find an overview of articles, as well as book and video tips with successful and helpful books and videos on the subject of wealth accumulation – including tips and tricks from professionals and experts.

Retirement for beginners

Rating: 4.6 / 5.0 (557 ratings)

For decades, you showed up for work every goddamn workday. Always dutiful, often on time, and usually in a good mood. You put up with no grumbling about missing raises, countless hours of overtime, and merry Christmas parties. You never thought about what it would be like when it was all over. And then suddenly it’s here: retirement. And now?
This book helps you prepare for the new phase of your life and is an indispensable companion for the time after work! Because in the huge, pitch-black hole into which you inevitably threaten to fall after your last day at work, there are plenty of pleasant surprises waiting for you!

Retirement in sight: Your financial guide to retirement

Ratings: 4.3 / 5.0 (10 ratings)

Well positioned for the third stage of life:

  • What needs to be considered with regard to statutory pensions and occupational pension schemes?
  • Tax liability and saving taxes: What applies to different incomes in retirement?
  • Making the most of financial investments: How the transition to retirement influences financial strategy
  • Health insurance, long-term care insurance and other insurance policies: This is how the insurance portfolio is reorganized
  • Enjoying retirement abroad: What to consider when it comes to pensions, property and insurance? Pensioners and retirees are in a special financial situation: income, expenses and time horizon have become more manageable. Restrictions apply, for example on loans, and special rules apply, for example on taxation. In addition to retirement income, many men and women aged 60 and over have to take care of other financial areas, such as reducing investment risks or making well-considered arrangements for their estate.
  • Buy at Amazon

My pension – Planning for retirement – Early retirement options

Ratings: 4.2 / 5.0 (5 ratings)

The new guidebook from Stiftung Warentest clarifies all the important questions using many clear practical examples: How do I manage to have enough money available after my working life? What can I do as an employed person to collect more pension points? What do part-time work, self-employment, child-raising periods and maternity pensions, mini-jobs, periods spent abroad or divorce mean for my pension provision? How can private pension provision supplement the state pension?

  • Your personal roadmap: How to make the right decisions for more retirement at key life junctures
  • Work and family: getting more out of life as an employee, self-employed person and in family times
  • The pension in front of your eyes: Increase your pension with voluntary payments, find the right date to jump ship
  • Buy at Amazon

You don’t get retirement for free, you have to earn it!

Ratings: 4.7 / 5.0 (122 ratings)

Your father, a friend or a colleague is retiring? Then give the retiree in Spe with this small gift book a farewell gift with a wink. The booklet is an amusing substitute for a greeting card on retirement. It also makes a wonderful addition to a bouquet of flowers or a monetary gift. The combination of colourful illustrations, funny texts and wise words give the retirement gift that certain something.

Private old-age provision: Provision requirements – Financial roadmap

Ratings: 4.5 / 5.0 (8 ratings)

Close the pension gap. Start your retirement planning now and time will work for you. Every year, the Finanztest experts test more than 10,000 products on the subject of old-age provision. Make more of your money – despite low interest rates. This guide shows you which investments you can use to build up a comfortable financial cushion even in times of low interest rates. Determine your individual pension needs and develop your personal financial roadmap.

  • Personal roadmap: How to get to the optimal provision step by step
  • Statutory pension: What you can get out of it
  • Pension provision with state assistance: Which offers are worthwhile – and which are not
  • Private pension provision: How to find top providers
  • Practical examples: Which investments fit your life situation
  • Buy at Amazon

The pension consultant

Ratings: 5.0 / 5.0 (2 ratings)

The expert guide to all pension issues and retirement provision (including Riester pension and Rürup pension). The book includes all legal changes through the latest pension package, the new regulations, the Flexi-Rente.

  • When can I retire without deductions?
  • How much will my pension be?
  • What are pension deductions?
  • Which periods are taken into account for my pension?
  • What can I earn in addition to my pension?
  • Buy at Amazon

State Pension Practice: The expert guide

Ratings: 5.0 / 5.0 (3 ratings)

When can I retire?, How much is the pension?, What are pension deductions?, Which periods are taken into account for my pension? The book provides answers to these and many other questions. The authors place great emphasis on the connection to practice.

  • 55 years of reforms in the statutory pension insurance
  • The three pillars of old-age provision
  • Periods under pension law
  • Minijob and Midijob
  • Insured persons’ pensions
  • Survivor’s pension claims
  • Pension equalisation and pension splitting
  • The most important facts about pension calculation
  • The tax treatment of pensions and contributions
  • The insurance account and information
  • Private old-age provision in the form of a Riester pension
  • Private pension provision in the form of the Rürup pension
  • Company pension scheme
  • Basic income support in old age and in the event of reduced earning capacity
  • Buy at Amazon

Further links

We have more helpful video and book lists for you on topics that might interest you. Below are some helpful links for you.

Retirement provision

The topic of old-age provision is one of the most important issues Germans are concerned about. Already at a young age, one is made aware of the need to provide for later. But how exactly do I do that? When do I start with the old-age provision? Which mistakes should I avoid? Where can I get tips? And why do I need a pension at all? We answer all these questions and more here.

  • Video tips on the subject of old-age provision
  • Book recommendations on the subject of old-age provision

Tax return

Why, why, why are tax returns so important? Not only professionals, but also students or pensioners can benefit from a tax return. If you have never deducted anything from your taxes and have no previous knowledge, you can get super informed in our tax return guide. We show you tips and tricks on how to avoid mistakes and provide you with tutorials that will help you with your first or next tax return. If you want to know even more, then we have a great article on the tax basics: income, sales & Co.

Buying real estate

With our book and video list on buying real estate, you can’t go wrong with your next real estate purchase. Our book tips cover all topics from the right inspection to the closing and the possible resale. What do you have to pay attention to? How do you finance your purchase? How do you evaluate a property? And how do you conclude the contract? You will find the answers here.

  • Video tips on buying real estate
  • Book recommendations on the subject of buying real estate

Advisor Wealth Accumulation XXL: Finance, Investment & Co.

Who wouldn’t like to build up their own assets? Whether you want to be able to afford something or would like to generate a financial buffer for old age, asset accumulation is a relevant and, above all, sensible topic for virtually everyone. But what options are there for building up assets? Life insurance, retirement planning, or investing in real estate? Here you will find an overview of articles, as well as book and video recommendations on the subject of asset building. From saving taxes to passive income to tips on successful investing – experts and professionals share their know-how in their videos and readings and answer all questions about wealth accumulation.

]]> Pension Video Tips: Understanding, calculating & paying tax on pensions. Tips and tricks to avoid mistakes https://fivmagazine.com/pension-video-tips-understanding-calculating-paying-tax-on-pensions-tips-and-tricks-to-avoid-mistakes/ Sun, 11 Oct 2020 05:00:19 +0000 https://fivmagazine.com/pension-video-tips-understanding-calculating-paying-tax-on-pensions-tips-and-tricks-to-avoid-mistakes/ Pension Video Tips – The pension is for many – especially young – people often a vexing topic. People like to put it off for too long because they don’t want to deal with the topic of retirement. However, retirement planning, paying into the pension fund and the like are definitely topics that should be dealt with early on. Especially now, when pensions are likely to continue to decline in the coming decades, you should make provisions in good time. In these videos, you’ll get tips and tricks from experts on the topic of “Understanding Pensions”. We also give you insights into investment options and the Riester pension. If you are interested in the topic of pension video tips, then perhaps the topic of successful investing is also relevant for you.

Understanding pensions and avoiding mistakes: Tips and tricks for more pension

Here you will find everything you need to know about pensions. With our video tips, you can really get smart and avoid mistakes when concluding the pension. Whether you’re a beginner or advanced, we’ll show you the best and most helpful videos.

Here’s another tip for you (external). What’s the best way to protect yourself from poverty in old age due to low pensions? The answer is: turning taxes into assets. Tax avoidance means building knowledge yourself. Online you can find a lot of (free) articles and tips on Lukinski.de: From real estate as an investment by renting to asset management to saving taxes with real estate (external). Everything free of charge from the expert.

Tip! Overview Wealth Building XXL – Book, Video, Tips & Tricks

If you want to build up private wealth and create financial reserves, there are a few things you should keep in mind. In addition to the tips you get in this article, you might also be interested in our extensive overview page. There you will find an overview of articles, as well as book and video tips with successful and helpful books and videos on the subject of wealth accumulation – including tips and tricks from professionals and experts.

The pension system

How does the German pension system work and what options are there to provide for retirement? This and much more you will learn in this video!

How much pension do you get?

You’ve always wondered how much pension you can expect later on? Learn in the video, based on an example how you can easily calculate your pension amount.

Pension information: What the numbers mean

Social security contributions (health insurance and long-term care insurance) and taxes may still be deducted from the gross pension. In this video, the information in the pension information is explained to you based on an example and clarifies what pension you can really count on. Net comes out significantly less than I imagine that many.

Calculate pension

The video shows you how the pension formula works and which decisive factors influence the pension amount.

This is how pensions are taxed

Whether it’s the statutory pension, benefits from a Riester contract or a company pension scheme, anyone who receives a pension these days will almost certainly have to pay tax on it. A big problem is that every year more pensioners become liable for tax and do not even notice this at first and are also obliged to file a tax return. Pensions are taxed in Germany, but there is no single rate for this, but for many forms of pensions there are separate rules. We have summarised these and tried to explain them simply – so that you do not experience any nasty surprises when you retire.

Avoid pension errors

Apply for a statutory pension. And it’s very simple. That’s what this video is about. You don’t get your statutory pension just like that. Here, too, you have to make an application. And as always, when you make my application, you can also make mistakes. How you do not make mistakes in your pension application and what options you have for applying for a statutory pension, you will learn in the video.

Tips for more pension

More pension from the statutory pension insurance? Who wouldn’t like that? In fact, there are a few ways you can boost your state pension. However, very few people have heard of these possibilities.

Investment option: Riester pension explained

There are various pension options. One of them is the so-called Riester pension. You can find out how it works and what it actually involves in the video.

Fear for the pension

Many people worry that there won’t be enough money in retirement. Everything is getting more expensive, but the pension level is falling. Many people do not have a private pension. Do we have to work until we drop? What is the best way to save for retirement?

https://www.youtube.com/watch?v=5_m142HVh3s

Further links

We have more helpful video and book lists for you on topics that might interest you. Below are some helpful links for you.

Retirement provision

The topic of old-age provision is one of the most important issues Germans are concerned about. Already at a young age, one is made aware of the need to provide for later. But how exactly do I do that? When do I start with the old-age provision? Which mistakes should I avoid? Where can I get tips? And why do I need a pension at all? We answer all these questions and more here.

  • Video tips on the subject of old-age provision
  • Book recommendations on the subject of old-age provision

Tax return

Why, why, why are tax returns so important? Not only professionals, but also students or pensioners can benefit from a tax return. If you have never deducted anything from your taxes and have no previous knowledge, you can get super informed in our tax return guide. We show you tips and tricks on how to avoid mistakes and provide you with tutorials that will help you with your first or next tax return. If you want to know even more, then we have a great article on the tax basics: income, sales & Co.

Buying real estate

With our book and video list on buying real estate, you can’t go wrong with your next real estate purchase. Our book tips cover all topics from the right inspection to the closing and the possible resale. What do you have to pay attention to? How do you finance your purchase? How do you evaluate a property? And how do you conclude the contract? You will find the answers here.

  • Video tips on buying real estate
  • Book recommendations on the subject of buying real estate

Invest successfuly

Successful investing is a dream of many people. But unfortunately, it is not as easy as it seems. How can you start as a beginner in the investment industry? What do you have to consider and which mistakes should you try to avoid? What is worth investing in? And what does the term “investment” mean anyway? We present you the best books on the subject of investment!

  • Video tips on the subject of investment
  • Book recommendations on the subject of investment

Advisor Wealth Accumulation XXL: Finance, Investment & Co.

Who wouldn’t like to build up their own assets? No matter whether you want to be able to afford something or would like to generate a financial buffer for old age, asset accumulation is a relevant and, above all, sensible topic for virtually everyone. But what options are there for building up assets? Life insurance, retirement planning, or investing in real estate? Here you will find an overview of articles, as well as book and video recommendations on the subject of asset building. From saving taxes to passive income to tips on successful investing – experts and professionals share their know-how in their videos and readings and answer all questions about wealth accumulation.

]]> Construction methods – prefabricated house, solid house or log house? https://fivmagazine.com/construction-methods-prefabricated-house-solid-house-or-log-house/ Tue, 23 Jul 2019 10:00:57 +0000 https://fivmagazine.com/?p=53674 After the first years of working life, many people think about whether it is time to start a family. The founding of a family is often linked to a plan to move into a larger apartment or even into a house. Once the decision has been made and you are planning to have a house built, you have many questions to answer. Especially in the field of real estate there are many different terms with which one can do nothing. To help you one step further, we will explain the different construction methods in this article.

You can find out more about prefabricated houses from the real estate experts at IHV – Die Immobilien Makler.

The different construction methods – From prefabricated houses to solid houses

Altogether there are three different construction methods. The three different construction methods are called prefabricated house, solid house and log house. But what are the differences between these three construction methods? What are the advantages and disadvantages? We explain to you the differences that are decisive for you, after all, investing in a house is a life decision and not just a casual decision.

Prefab house – Fast & Cheap

Basically one can say that the construction of a prefabricated house brings cost advantages in contrast to the other variants. The clients also benefit from an extremely short construction period. The sooner your house is finished, the sooner you can move into your new home with your offspring. If you now think that I benefit from a shorter construction time and at the same time have lower costs, then you are mistaken. Prefabricated houses are known for their high quality. But what material is the so-called prefabricated house made of? The wall construction usually consists of wood. If you want to be absolutely sure what you are investing in, you have the opportunity to look at exact samples of prefabricated houses beforehand.

Nevertheless, there are not only advantages but also disadvantages for the prefabricated house. As the name suggests, a prefab house is already “finished”. You therefore do not have much room for manoeuvre. Especially if you have planned to incorporate many of your own ideas into the construction of your house, you should reconsider whether the prefabricated house is the right variant for you. Many already know when they move into the new house that they want to sell it sometime in order to live somewhere else again. For this reason, you should be aware from the outset that a prefabricated house has lost considerable value when resold.

Advantages prefabricated house

  • low construction costs
  • fast construction time
  • precise ideas through samples
  • good insulation
  • high quality

Disadvantages Prefabricated house

  • not much design possibility
  • low heat storage capacity
  • lower value at resale

Solid House – Durable & Diverse

And what is the variant? Besides the prefabricated house, a solid house is a frequently chosen alternative. But what can be the reasons why someone decides to build a massive house? The massive house is famous for one aspect: longevity! Many builders decide to build a massive house because the value remains constant over a very long period of time. Should you decide to move out of your own home at any time, you have the opportunity to receive a similar amount for the house as you have spent. Another positive aspect is that the walls of a massive house store heat. The advantage of that: The house doesn’t cool down so quickly in winter and doesn’t heat up so quickly in summer. If it has always been your dream to make a significant contribution to the design of your home, then the massive house could be just right for you.

And what are the disadvantages of building a massive house? There are two major disadvantages and these are on the one hand the long construction period and on the other hand higher construction costs. “Time is money” is the motto of many people and that’s why this is an aspect you should keep in mind, no matter how much money you have earmarked for building your own home, the costs are interesting for everyone. You should therefore be aware when making your decision that the construction of a massive house entails higher costs than the construction of a prefabricated house.

Frequently Asked Questions about Solid Houses

  • How expensive is a massive house?
  • What does turnkey mean?
    Turnkey is the complete transfer of the finished house, so that you as tenant or owner can move in immediately.
  • What is a massive house?
    “A builder, who decides for a property with 850 square meters and a massif house with a floor space of 150 square meters, must count [on] in the country wide average with costs at a value of approximately 320,000 euro on a property with 850 square meters.”

Advantages solid house

  • longevity
  • high value in case of resale
  • high stability of value
  • Scope of design

Disadvantages Massivhaus

  • Long construction time
  • High construction costs

Video: Prefab House

https://www.youtube.com/watch?v=F5SL-X2PbFA

Log cabin – single & stable

The log house (wooden house) is not quite as well known as the other two constructions. But wrongly, because the construction of the log house brings many advantages with it. Similar to the prefabricated house, the log house is also erected within a very short time and in addition it lasts a long time. In addition, the log house is usually built from the natural building material wood. This aspect not only protects the environment, as it is a renewable raw material, but also creates a special living atmosphere. As a rule, wood has the effect of making a living room look cosy and at home. Combined with a fireplace in winter, it creates a great living feeling. And you also have the opportunity to help design the log cabin yourself.

There are also some negative aspects for the log cabin. It is necessary that the walls of the wooden house are painted regularly. As a rule, this is a period of between 4 and 10 years during which the coating must be refreshed.

Advantages Log House

  • quickly erected
  • often stable
  • natural building material
  • atmosphere
  • longevity
  • Design possibilities

Disadvantages Log cabin

  • regular painting
  • Repairs are difficult
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