Hoe weet u zeker d t u voldoende dat ld d pensioen opbouwt? Vrijdag 20 april 2012
Jean-Paul Jea au van a Oud Oudheusden, eusde , C CFA
[email protected]
Actuele Spaarrente p – 2 April p 2012
Bron: FX.nl
Actuele Depositorente p – 2 April p 2012
Bron: FX.nl. Aegon 3,40%, Rabo 3,35%, ABN AMRO 3,20%, ING 2,90%
Duitse Staatslening g ((‘Bund’)) 1990-2012
Bron: Bloomberg, april 2012
Kernpagina
Invloed Inflatie en Belasting g • Spaarrente (MoneYou):
2 85% 2,85%
• Inflatie in Nederland:
2,70%1
• Reële rente:
0,15%
• Vermogensrendementsheffing V d t h ffi (30% over 4%)
1,20% 1 20%2
Æ We zijn op zoek naar tenminste 3,9% per jaar (= 2,7% + 1,2%)
1.
Per februari 2012. Bron: Bloomberg, 10 april 2012
2.
Met uitzondering van vermogensvrijstelling
Alternatieven voor Sparen? p • Aandelen? • Bedrijfsobligaties? • Staatsobligaties? • Fysieke F i k edelmetalen? d l t l ? • Opkomende markten? • Andere oplossingen?
Kernpagina
Rol van de verschillende financiële instellingen • Pensioenfondsen • Verzekeraars • Banken • Nieuwe aanbieders • Of… doe het zelf?
Pensioendiscussie Verdelingsprobleem bij een dekkingsgraad van 80
Direct korten
Korten uitstellen 100%
80%
20%?
Lex Hoogduin, DNB, Pensioen Forum 2010, 28 september 2010
Intermezzo IInvloed l d marktbewegingen ktb i op p uw vermogen g
S&P 500 vs Euro STOXX 50 - 2001-2012
Bron: Bloomberg, april 2012
Bedrijfsobligaties j g - voorbeelden
• Royal Dutch mei 2017
~1,5% effectief (rating AA)
• DSM oktober 2017
~2,0% effectief (rating A)
• KPN jjanuarii 2017
~2,7% 2 7% effectief ff ti f (rating ( ti BBB)
RBS, april 2012
Obligaties: g rekenvoorbeeld
• Obligatie 10 jaar, 5%, uitgifteprijs 100%
– Stel, rente stijgt naar 7% Æ prijs wordt ~86%
• Obligatie 3 jaar, 5%, uitgifteprijs 100%
– Stel, rente stijgt naar 7% Æ prijs wordt ~95%
Aandachtspunten p Bij de uitvoering van uw financiële planning: • Speelt uw beleggingsvisie mee? • Hoe gaat u om met tussentijds nieuws? • Hoe vaak wilt u tussentijds kijken naar uw belegging?
Kernpagina
Stappenplan naar een haalbaar financieel plan Motto: Hoop is geen Strategie 1. Confronteer uzelf met de ‘harde feiten’ Æ Stel vast of u een g gat of een overschot heeft
2. Voer uw eigen ‘stress test’ uit Æ Beperk B kd de risico’s i i ’ di die u niet i t kkuntt d dragen
3. Pak ‘cadeautjes van de markt’ uit Æ Benut ‘gratis’ garanties en belastingvrije ruimte
4. Ga op p zoek naar rendement met g gecalculeerd risico 5. Spreek van tevoren met uzelf uw evaluatiemomenten af
Het Geheim van de Gamboni
Drie ♠ en twee ♦ vormen een Gamboni, de hoogst mogelijke score in dit etablissement
Het Geheim van de Gamboni
In dit etablissement is per avond maar één Gamboni toegestaan g
Twee Lessen van de Gamboni
1. Als u vermogen hebt zit u aan de
speeltafel, of u wilt of niet 2. Om het spel te winnen dient u de
spelregels te kennen
Grip p op p Uw Vermogen g
Spaarrekening Obligaties Aandelen Offensieve beleggingen
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