Österreich: FynUp - ETFs vs. Vorsorgeprodukte

2021.10.21 11:08 SmallScreen Österreich: FynUp - ETFs vs. Vorsorgeprodukte

Bei meinen Recherchen über die effizienteste Art der Veranlagung für eine Pension in Österreich bin ich auf einen digitalen Versicherungsmakler namens FynUp gestoßen. Dort gibt es ein Tool, mit dem man die Rendite einer Anlage über einen billigen Makler wie FLATEX in Fonds mit einer Anlage über ein fondsgebundenes Rentenprodukt vergleichen kann, wenn die Fonds den gleichen Zinssatz abwerfen:
https://www.fynup.at/c/pruefen

MEINE FRAGE AN SIE ALLE:
Wie genau/zuverlässig scheint die Berechnung auf deren Website mit diesem Tool zu sein?

Ich habe verglichen, dass ich einen Pauschalbetrag von 40.000 Euro investiere und dann 27 Jahre lang 1.000 Euro pro Monat, und das bei einer Verzinsung von 7 %. Unter Berücksichtigung aller Steuern schlägt das Tool vor, dass ich, wenn ich in den iShares Core MSCI W.U.E.USD A (IE00B4L5Y983) Fonds bei Flatex im Vergleich zu Standard Life investieren würde, 649k Gewinn mit Standard Life gegenüber 526k mit Flatex mit nach Hause nehmen würde...
Wenn ich mit FynUp spreche, scheinen sie ein viel besseres Kostenverhältnis bei den von ihnen angebotenen Rentenprodukten zu bieten als normale Versicherungsmakler. Auf den ersten Blick scheint es ihnen zu gelingen, das Problem zu überwinden, dass die Einsparungen bei der Kapitalertragssteuer, die sich aus der Anlage über ein Rentenprodukt ergeben, in der Regel durch die Kosten der Versicherungsgesellschaft aufgezehrt werden. Aber ich habe nicht das Gefühl, dass ich das Wissen habe, um diese Behauptungen zu überprüfen...
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2021.10.21 11:08 Hayate-kun Life Changing Virtualization | LINUX Unplugged 427

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2021.10.21 11:08 OrwellWasRight69 The Shot Heard Around The World: Biden Regime Announces Plan To Forcibly Inject Children 5 And Over With COVID-19 Bio-Weapon

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2021.10.21 11:08 PoisonHorn393 Can i post it here and i don't know what flair (i cant noteblock so i used the normalcy picture)

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2021.10.21 11:08 NewBeeDM Ch. 10 The More Things Change...

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2021.10.21 11:08 mwfreebies FREE Toasted Breakfast Burrito @ Taco Bell! (10/21)

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2021.10.21 11:08 Ashhbn My mentally ill ex ruined my life in every possible way and I feel like ending it all is the only solution.

Last year I made several posts about my relationship situation. What started as a small crisis in a long term relationship between my ex M35 and I F33 ended in abuse and I had to leave. Since then my life has been hell. When I left the relationship I knew it would be hard but I didn't imagine that a few months later I would be on my own, in a different city, living almost as if I don't exist with the fear of being discovered by him.
I did everything I was supposed to do in the past few months. I followed a lot of the advice given to me here, I cut all contact, even with his parents who were the only people I had and who were like family to me, I lived in a shelter, then I moved to a new house in a different area, got a dog, changed numbers several times, changed phones, got a vpn, a security camera.
He would follow me but never say anything, he would send me texts from different numbers, he posted nude photos of me online, photos that I took for him during our relationship and that weren't meant to be shared. Things got so bad I was able to fill a restraining order but that didn't stop him. A few weeks after one of my last updates here he found out my new address and tried to break into my house using a metal tool, when he couldn't break the door he smashed the window with it. I was lucky the police was quick and he was arrested on the spot and I found out that he was later diagnosed with schizophrenia and transferred to a mental hospital. That was the first time in months that I was able to have a peaceful night of sleep but I still had nightmares, I still do to this day.
He has now been out for three months. As soon as he got out he came to my house " just to talk ", it was obvious to me that he was out of his mind. I didn't open the door and called the police. After that I was so terrified I didn't think twice, within a couple of weeks I moved far away from where I was, I didn't tell anyone, I simply disappeared. I used to work from home so that wasn't a problem and my boss understood the situation but eventually things became unbearable due to my anxiety and paranoia and I was so sick I had to quit, it was no longer sustainable.
Due to all the stress I developed several health issues, I'm now chronically ill, live in pain, my mental health has been severely affected and I can't afford therapy or a psychiatrist. I spent all my savings from years of work on security equipment, moving, anything I could to keep myself safe. I was left with nothing because of him. After moving for the second time I found a job at a fast food place but eventually had to quit my job because I kept having panic attacks during my shift and they started bullying me to make me quit because I was a nuisance and they succeeded, they broke me. I'm behind on rent, I haven't had any contact with the only family I have ( my parents ) in months out of fear of him somehow finding me, I have no money, no food, ended up having to give up my dog to a family I found online because I couldn't afford keeping him, that hurt a lot, he was my only companion. Things got so bad I have been eating leftover dog food because I'm starving.
I lost everything, my life, my family, my dignity, my ability to work, my savings and I don't know if I can keep going like this. Whenever I think things will get better something bad happens and I can't get out of this cycle. I am so desperate and I don't even have a friend to talk to. This is why created this post, I know this is about advice and all advice is welcome because I feel lost. I'm so close to ending it all.and I don't even have anyone I can talk to, suicide prevention hotlines are a joke in my country. I'm so done with life and all this suffer.
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2021.10.21 11:08 mainesza Is there a way to know when new sets of rookies are going to be released? Still looking for cards of some second round pick guys that aren’t out yet

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2021.10.21 11:08 New-Button-3119 28 [F4M] Looking for someone constant to talk to.

I'm always online lol except in the afternoon. I like to keep myself busy and distracted coz I tend to get lonely at times.😂
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2021.10.21 11:08 Jack_The_Baum Rex at 4:20 ocock

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2021.10.21 11:08 GaGator43 'Jeannie' ... Barbara Eden - '60s

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2021.10.21 11:08 Smike-XL We knock out all Guards,Employe some civilists and The Manager

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2021.10.21 11:08 The_Tobinator0311 Facebook settles claims it discriminated against US workers for some jobs in favor of temporary visa holders.

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2021.10.21 11:08 Istoricar Jugoslovenski Svemirski Program [Yugoslav Space Program]

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2021.10.21 11:08 Confident_Pay_2185 🎉ATTENTION Everyone I am holding a giveaway for an upcoming NFT Called MetaMonz🎉 Steps and link in comments

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2021.10.21 11:08 Secret_Palpitation_6 Clarence Reid - Masterpiece

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2021.10.21 11:08 JackAM_ Possible HUGE plot hole in the story

Okay so I was thinking that if the World Government knows about the sheer importance of poneglyphs to pirates meaning they know about road poneglyphs right?
So why don't the WG just take one by force from one yonko, and throw it to the bottom of the calm belt?(if Luffy and a handful of pirates can take a rubbing I'm pretty sure the entire WG could take the whole thing if they wanted) like if they did this sure there would be a shit ton of casualties but it would literally end the pirate era and ensure nobody learns about the void century it would be the ultimate victory for them, so why don't they do it?????
Nobody could get to the bottom of the calm belt they would be sea king food in 5 mins if they tried maybe fishmen could with poseidon but still they had 800 years to do this but they just didn't, or they could keep it in Mary Geoise idk it's just weird to me that they would just let them float around
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2021.10.21 11:08 AltrusianGrace The Alchemy Of Psychology - James Hillman - Dark Screen Full Lecture Series

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2021.10.21 11:08 MugenNishizonno Meets your sister for the last time. 😢💜⚡

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2021.10.21 11:08 Alex_The_Whovian The man who never carries a gun... But will still put you in a hospital

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2021.10.21 11:08 EatsLeavesAndShoots Being unable to phone or visit people on your birthday before they have acknowledged it, for fear of them thinking you're fishing for a "Happy Birthday" or a present

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2021.10.21 11:08 FULLm3talKITANO Pls help 🤣

I know it's been out for ages but I was going to buy afterbirth and afterbirth+ today, would I lose all of the progress I made on rebirth?? I'm on xbox, TIA
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2021.10.21 11:08 BadaB00mBabay В Великобритании нашли ещё более заразный штамм коронавируса, чем вариант «дельта». «Сможет ли новый штамм AY.4.2 вытеснить «дельту» и стать доминирующим вариантом? У него мало шансов». Профессор кафедры вирусологии МГУ Алексей Аграновский прокомментировал данные о новом варианте коронавируса.

Об этом сообщает Financial Times. Эксперты, опрошенные изданием, уточняют, что новый штамм AY.4.2, который распространяется по Англии, пришёлся на каждый десятый случай заболевания.
Учёные считают, что он может передаваться быстрее варианта «дельта» на 15%. Его обнаружили почти во всех частях страны, что отражают карты распространения в британских СМИ.
Медики планируют провести исследования нового вида коронавируса. Они пока не знают, что именно влияет на скорость его распространения. Британское правительство намерено принять очередные ограничительные меры в случае, если AY.4.2 окажется более опасным, чем «дельта»
Профессор кафедры вирусологии МГУ Алексей Аграновский прокомментировал данные о новом варианте коронавируса AY.4.2 из Великобритании, единичные случаи которого выявили в России.
«AY.4.2 — один из примерно 50 выявленных мутантов штамма «дельта». По данным СМИ, он на 10—15% заразнее. Для сравнения, штамм «дельта» в два раза заразнее уханьского. Сейчас AY.4.2 выявляется в 8% случаев COVID-19 в Англии, пойдёт ли он дальше, непонятно».
Учёный подчеркнул, что прививка — единственная надёжная защита: «Вакцины будут работать против AY.4.2 не хуже, чем против других штаммов»
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2021.10.21 11:08 eliteprephistory First I say the peekaboo then I attack the hooman vroom!

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2021.10.21 11:08 twowaysplit Per FiveThirtyEight, West Ham is currently the Europa League club most likely to reach the Round of 16 and Quarter Finals, and tied for most likely to reach the Semi Finals.

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