Term life insurance: what about it?
It is a type of “elephant in the room” subject: is your estate large enough and liquid enough to provide for your family should you die? It is the combination of the two that often causes challenges. In some households there are two incomes; if one falls away there is...
What does the “pension accord” mean to you?
If there is a top 5 with "abstract financial concepts", I expect that for most Dutch people the pension will be in the top 2. Actually, that is no surprise, although it is by far the biggest frustration of us financial planners. The Dutch pension system has been...
Remarriage? Consult your financial advisor in time
Of course, the moment you get married, you never think about the possibility of breaking up. Because on one of the most beautiful days of your life, you don't think about that. Yet nearly 40% of marriages have ended in recent years. While the divorce rate in the 1970s...
COVID-19, investing, and what next?
Corona tempts the investor to make big mistakes, but also offers the investor opportunities.In this blog we will discuss these issues. Put money aside for later You probably have a (financial) goal in your life. You may want to stop working earlier or help your...
You, Your Financials and Corona/COVID-19
What a state. A virus of pandemic proportions that is unprecedentedly strong in our existence (comparisons with plague and influenza centuries ago are made) and thus on our society. However, beautiful things also come from fear, ignorance, uncertainty and suffering....
An unaware heiress
A new customer came to see me last month. A widow with long-grown and married children. The reason was her wish to use a small part of the equity in her home for donations to children and grandchildren.The first analysis indicated more than enough space; the monthly...
Are you sure how much pension income you will receive?
We often think that buying a house is the biggest financial expense people have in their lives. That is not true. Usually, the pension involves a (much) larger amount than with the purchase of a house. But in our daily life the pension subject does not get the...
Investing in the stock market now: will I or won’t I
Many of our customers are able to accumulate money every month / quarter. Or there is a gift from the parents, or there is an inheritance. Anyway: with a savings account that no longer yields you are forced to decide whether you also accept the costs of the bank...
Covid-19 and your pension
The newspaper headlines are pretty dramatic: the consequences of the coronavirus have a major impact on your pension. Certainly, the situation is serious. But perhaps not as bad as you think when reading the headlines in the newspaper. The "best" pension system Few...
Bring your next interest rate adjustment forward?
Recently, someone asked me if it is useful and sensible to bring an interest rate review forward by 7 years. Of course with the additional question what in that case the prepayment penalty to be paid would be “net”.The client knew that, compared to the current...
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