Disability insurance and investments rather than training insurance insurance often education for their children and grandchildren parents or grand-parents, to ensure the financing of a later vocational training or a course. But it is rarely advisable, because structurally training insurance is a little useful special form of capital life insurance. The distributions for an education insurance are accordingly low: consumer tests determined partly negative yields up to minimum returns of one percent. To get long durations, high costs and minimal liquidity. In the event of death of the contribution payer usually the education insurance continues over contributions to the agreed withdrawal date, so that the beneficiaries of the training insurance has no penalty. Note are however very high costs, if the payer is older, ill or is smoking. If the grandparents are employed as policyholders, the training insurance is very expensive”, warns also, the consumer magazine oko Test.
Alternatives to the education insurance: disability, occupational – and/or risk life insurance, or as an investment of BaumSparVertrag. Consumer advocates agree: A disability insurance for the child and from 16 years of a disability insurance are far better sense than education insurance. Parents should also complete a high risk life insurance for the financial protection of their partners and children.Who still wants to provide for the education of children with an investment for forest investments are offered as additional protection like for example a BaumSparVertrag of the Bonn party ForestFinance. Investment in the real value of forests are not only ecologically and socially useful, but promise an attractive rate of return. So the American forest investment index, NCREIF Timberland increased index from 1987 to 2009 average about 14 percent annually. The fluctuations were minimal compared to equity indices and in 22 years, there was only one loss year. Forest investments are becoming increasingly popular as a personal investment and inflation protection.
Who places more value on rate of return than on liquidity, is often better served by forest investments. The BaumSparVertrag of ForestFinance also taught children from the outset, as sustainable values arise and makes very clear the enormous role of the rainforest for the global climate and species preservation. So live about three quarters as plant and animal species in the rain forest and its deforestation is responsible for 20 percent of greenhouse gas emissions. The final crop harvested selectively so-called future trees so that a varied permanent mixed forest remains. Also species-rich forests are recreated by the afforestation on pasture. Rain forests are protected and climate-damaging CO2 for decades bound. When the BaumSparVertrag is for 33 euro per month each planted a tropical tree per month and maintained until the harvest. The BaumSparer finally receives the proceeds of the timber harvest, the forecast five to eight times of the amount paid in a tax-free makes out. For more information, of ForestFinance: the Bonn ForestFinance specialises in sustainable forest investments, which combine a lucrative return on investment with environmental and social sustainability. The company managed sustainably over 3,500 hectares of forest in Panama and Viet Nam. Savers can choose in addition to the BaumSparVertrag between various other products of sustainable tropical forest management. A guarantee of subsequent planting five percent safety areas, harvest community and fire insurance serve alongside the concept of mixed forest in Panama for the sustainable protection of investors.