Simplicity is the key

Assets should be structured according to clear keys and the structure should be checked regularly. Our financial analyst has calculated another example for you.

Of course, you can also structure your assets by piling them up in cash.  However, our financial analyst advises you to use more pragmatic outlines.

EIt is a good custom to take stock at the beginning of the year. This year I even let myself be carried away to say: The private balance sheet has never been as important as it is today! This is due to the increases in the value of real estate and stocks. You have thrown many private balance sheets off balance, and if that is the case with you too, then I can only call out to you: Well, dear investors, grab your pencil, paper and calculator and start with the liquid. How much money is in the current accounts and in money market funds: 500,000 euros? Then it is the turn of the market values ​​of the bonds and the surrender values ​​of the endowment insurances: 300,000 euros? Just don’t forget the cash values ​​of the pension entitlements. Monthly pensions of 3,000 euros, which start in ten years and are paid out in 20 years, are worth an impressive 488,000 euros if they are discounted at 2 percent per year, and in my opinion you shouldn’t ignore this half a million. Or do you feel the need to count yourself poor for a change, according to all the rules of the art?

The properties may now be worth two and a half million euros because the home (one million euros) and the five rental apartments (1.5 million euros) are in Frankfurt am Main. The market values ​​of the shares rose from 500,000 to 600,000 euros last year? Then, firstly, you have been lucky and, secondly, there is a need for action to bring the depot into shape. The gold could be silvered for 100,000 euros at the moment, and the debt is 488,000 euros?