The Behar Reform of 2005 created a new concept called “pension consultant”. The distinction between a “pension consultant” and a “pension agent” lies in its degree of objectivity, that is, in its economic or business connection (affinity) to the body managing pension savings. Continue reading
What will we talk about in a meeting with a pension consultant/agent?
| subject | What to find out? |
| Products | What pension products do I have? Are they suitable for my situation? Is it worth making a change to the products? If so, what changes and why? |
| saving | What amounts can I expect when I retire? Equity/as an annuity? Is enough? What is my current investment path? Does it fit my age and savings horizon? |
| Insurance | What amounts can I expect in case of loss of work capacity? To my beneficiaries in case of my death? Equity/as an annuity? Are the tracks right for me? Is it possible to purchase the insurance separately more cheaply? Is and when is it necessary to update beneficiaries? |
| Discharge | Is it possible to increase contributions and enjoy tax benefits? |
| yield | How much has my jackpot done in the past year? In the last five years? Is it in the top third of the box office of its kind? If not, why? |
| price | How much does it cost me? How am I relative to the average? How can I reduce costs? |
| Governing body | Who? Is it small? Big? Stable? No scandals? Who manages the investments? |
