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system
how should i choose an additional retirement investment plan?
user
it's a hard decision to make. especially without knowing the complete contract details. i would in general stay away from financial "advisors" like tecis or other pyramid selling companies ("strukturvertriebe" in german). they usually only offer a very limited range of products. in most cases they sell only 1 or 2 products and tell everyone that these offers are the best and fit exactly to the client. i would prefer an insurance broker (requires an education) which could in theory offer any product. coming to your situation: if you already have a riester product which is maxed out, i see no point in another private insurance without any aid. the insurance construction allows you to save some taxes but it does cost you a premium. i would buy the funds (preferable etfs) on my own. this comes down to the question: does the insurance construction payoff for you for the costs it generates?
assistant