Crowdfunding: investment with risks


Berlin – Crowdfunding allows investors to participate in large projects. An entrance is possible with individual offers already starting from 10 euro. It should be up to nine percent return in it. But a survey “financial test” of a total of 22 crowdfunding platforms shows: The risks are great.

Picture: Yield 

The reason: investors participate in platforms or companies, they usually have no say and bind their money often for years, reports “financial test”. What returns are uncertain. It depends on how the company is established in the market. In the worst case, the mission is lost. Investors should therefore think carefully about which idea or project they entrust their money to. What matters:

– Return: Swarm financing is popular with real estate projects.

Providers are forecasting between 5 and 7 percent annual returns. Interested parties should, however, pay attention to which property the money is used. Basically, the higher the risk, the higher the promised return.

– Experience: Making a lot of money with a sparkling idea – that’s what start-ups promise. Various platforms allow participation in projects in sectors such as medical technology or food. Here investors should look especially at the business model. There are high risks for newly founded companies with inexperienced founders.

– Conditions: Yield investors can also earn returns on energy projects. These platforms can be used to invest in either new projects, improvements to existing facilities or energy-saving measures. Important here: If there is no feed-in tariff, it depends on the solvency of the contracting party.



News PKV premium refund 2017: Hundreds of Euros for the health-conscious

News PKV premium refund 2017: Hundreds of Euros for the health-conscious News always well informed

Thursday, 14.09.17 , written by Annabell Meyer In private health insurance (PKV) many people are currently looking forward to their repayments. More than 600 million euros will be repaid to private patients in 2017 as a premium refund. This benefits insured persons who have not claimed benefits

  Versicherte bekommen hunderte Euro PKV Beitragsrückerstattungen 2017

Hundreds of thousands of privately insured people are looking forward to repayments

  • Many private insured may look forward this year to PKV premium refunds of several hundred euros.
  • Insurers reward health-conscious customers who have not claimed benefits for a year.
  • However, the concept is not worthwhile for every insured person, which is why a personal offer is recommended for choosing the appropriate private health insurance plan.

Debeka, Deutscher Ring, Gothaer and several other providers have already announced their PKV premium refund for 2017, now Barmenia is catching up. The private health insurer pays almost 58 million euros to its customers. Around 84,000 health-conscious private patients receive back almost € 700 . Together with the repayments of the other providers, the premium refunds in 2017 so far amount to more than 630 million euros.

PKV premium refund: Which conditions have to be met?

In order to benefit from premium refunds in private health insurance, insured persons must remain free of benefits within a calendar year. This means that they do not submit a medical bill to the insurer or that it does not settle any benefits.

Most providers grant a performance-based premium refund. In other words, this is only possible if the company has successfully managed enough to pay off its customers in the year in question. Some insurers offer a guaranteed reimbursement, so that private insured get back money in any case.

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PKV premium refund: How much will insured get back in 2017?

Health-conscious private patients who have been without benefit for at least one year will receive in 2017, depending on the insurer, a PKV premium refund of more than 800 euros. How high the refund will be depends, among other things, on the agreed tariff . For example, customers receive up to three monthly contributions from the largest private health insurer Debeka, and sometimes even more monthly contributions from other companies.

Overview of current repayments:

providers total beneficiaries Refund per person (Ø)
alliance 118 million euros no information no information
Barmenia 57.9 million euros 84,000 689 euros
Continentale 73 million euros 87,500 834 euros
Debeka 360 million euros 420000 857 euros
German ring 32 million euros 37,000 865 euros
DKV 148 million euros no information no information
Gothaer 26 million euros 57,000 456 euros
Halle 65 million euros 100000 650 euros
uniVersa 23 million euros no information no information

Private patients usually receive their premium refund directly paid to the account . However, some companies offer other options for using the money. For example, Barmenia customers can “convert their premium refund in the form of a one-off payment into a reduction from 67 years onwards,” the insurer says.

How useful are premium refunds for insured persons?

Although many private individuals benefit from PKV premium refunds. But these are not worthwhile for every customer. For example, if patients pay their own medical expenses to be reimbursed later by the insurer, it is advisable to calculate as accurately as possible whether the reimbursement can cover their expenses .

With regard to tax regulations, private patients should also consider carefully whether they want to benefit from the PKV premium refunds. Because this reduces the sum of the total paid insurance premiums that can be claimed for tax purposes. For those who are unsure as to whether they should also consider possible premium repayments when choosing their private health insurance plan, personal advice is recommended.

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  • Annabell Meyer
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Ireland comfortably exceeds its return to the debt markets

Ireland comfortably exceeds its return to the debt markets

  • Ireland has put its credibility to the test with the three-month bond auction.
  • The interest rate reached by the bonds is slightly lower than 2%.
  • The risk premium for Ireland has been reduced during the last twelve months and is below 500 points.
Prima de riesgo

Informative panels of the Madrid Stock Exchange showing trends in European risk premiums. EFE

Ireland put its credibility to the test this Thursday with the auction of three-month bonds for 500 million euros, a significant amount to ratify the progress made by an intervened country.

The National Treasury Management Agency (NTMA) managed to place the government bonds at an interest rate of 1.8 percent on the first issue of debt since September 2010, two months before the European Union (EU) bailout and the International Monetary Fund (IMF) to this country, quantified in 85,000 million euros.

This debt issue is the first since September 2010 The interest rate reached by the bonds , due on October 15, is slightly lower than the 2% expected by the Government of Dublin and international markets, which demonstrates the confidence that is generating the economic policy of Ireland.


This was highlighted on Thursday by the Irish Finance Minister, Michael Noonan , who called this first issue of debt “success”, because it represents a “milestone” in the “road to recovery” of the national economy.

The loan is, in fact, a “zero risk” for investors, as the EU and IMF funds guarantee their return in three months, but for Ireland it is a good proof of the improvement of their image abroad. to more important challenges.

The Irish Minister of Finance insisted that his government’s goal is to return to the debt markets to obtain financing through the medium and long-term bond auction in 2013, when the program of aid to this country ends.

“The markets have reacted positively to our strong application of the program to date, to the resounding ‘yes’ in the recent referendum on the fiscal stability treaty and to the decision taken at the (European) summit last week to separate the negative links between the (sovereign) debt and that of the banks, “he declared.

Noonan recalled that Ireland’s risk premium has been reduced considerably during the last twelve months and is now below 500 points, reflecting the growing confidence of foreign investors in the national economy.

The markets have reacted positively to the resounding ‘yes’ in the recent referendum Meanwhile, the Irish Treasury plans to follow step by step, launching this year “probe balloons” to test the market through the issuance of bonds to a period of Longer expiration, between four and six months, according to experts.

The Dublin Executive has committed to the supervisory triad of the European Commission (EC), the European Central Bank (ECB) and the IMF to reduce this year its public deficit to 8.6 percent of GDP through a plan of adjustment valued at 4.2 billion euros.

The Government hopes to achieve these objectives in a context of economic growth for this year of 0.5 percent, although it is aware that it depends, to a large extent, on external factors, such as the stabilization of the situation in the euro zone.

Noonan will announce next week the figure of the Irish GDP recorded during the first quarter of the year, while the troika will publish its latest analysis on the government’s performance to meet the conditions of its rescue between the past months of April and June.

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