Unify Financial

The State breaks down over the low interest debt, the policy of central banks leads to an expropriation of the savers. “Weirs can be citizens, however, the monetary investment real estate, which it with the appropriate funds, such as about the SHB innovative fund concepts AG also batches” are. The debt crisis will cost German investors every day millions of euros. Because the money markets with cheap money are literally flooded, there is already no interest more, that even remotely could keep up with the inflation for investments in fixed-income, Government securities and savings. Hans Gruber, real estate expert of the SHB innovative fund concepts AG (SHB AG), detect here a clear strung trend: by the central banks push interest rates, it comes at the end not only to real interest rates partially below zero. They help the States as it were by the way, to reduce their debt burdens.” Actually a covert tax will levied on this way for savers and investors.

Another aspect is it fatal. By steadily stricter requirements, such with Solvency II, banks and insurance companies be forced, the money of the customers always more conservative, so first and foremost to create poorly-yielding Government securities. “Hans Gruber of the SHB Immobilienfonds sees some day message because even with rather mixed feelings: when forward Finance Minister Schauble that the Bundesbank could again place a package treasuries at zero interest rates, because the big investors see Germany as stable debtor, including, for example, the future return of life insurance suffers.” She’ll be already now increasingly unattractive. “And Gruber added: pure financial investments with reasonable returns at reasonable risk there is virtually no longer.” This understand increasingly the citizens themselves and becoming more and more interested in real estate. The booming demand for residential real estate has for the entire German construction industry in the first half of 2012 to a revenue growth of 0.5%. The rate of increase was significantly higher, such as Hans Gruber in pure housing “explains real estate expert of SHB innovative fund concepts AG: here there was even a rise of 6.5 percent.” However, so he restricts could not everyone afford an own property. A share of a property but quite. “Hans Gruber explains: in concepts such as the SHB fund a manageable amount of money sufficient to benefit real estate from the dominance of the monetary system.” In addition, investors have the advantage that the SHB funds invest in a variety of objects and different types of use. With an investment of such asset you could decouple loose from government intervention and ultra-low, explains the real estate expert of the SHB.

Strong new business, stability and market share plus Stuttgart, June 29, 2010 the Stuttgart 2009 looks back on a very successful year. In the entire new business from current contributions and single premiums, the company generated EUR 86.2 million. This record represents an increase of 47.4 percent compared to the previous year and represents the company’s best new business results since 2004. The new entry current contributions amounted to EUR 33.1 million. Measured at the industry average, which suffered significant declines in this business area – 15.5 percent, could keep their prior-year level approaching the Stuttgart and showed only a slight decline of 5.6 percent compared to the previous year. The stability of this key figure is the result of the consistent focus of Stuttgart on the business with the current contributions. Here the Stuttgart in the year under review achieved a share of about 40 percent, the industry average was, however, only about 20 percent.

The gross premiums written increased with 424,7 million euro by 3.2 percent compared to fiscal year 2008. Particularly noteworthy is the positive development of new business in the field of traditional pension with an increase of 36.5 percent (market value of 14.6 percent), as well as the increase of financial statements at the classic base pension with a 68.8 percent (market value – 10.2 percent). As well, the BU Division of the Stuttgart gained 20.2 percent (market value of 17.6 per cent). But also new business in the area of occupational pensions were extremely positive: here was the Swabian insurer by 8.2 per cent to 92.3 million. The Stuttgart could increase overall significantly its market share.

Of Stuttgart in the fiscal year 2009 again succeeded, to position themselves in the decisive figures significantly better than the market: the equity ratio of the Stuttgart was 250,1 percent (market 192.1 per cent) and the net return on investments at 4.6 percent (4.2 percent market). The low Administrative expense ratio of 2.5 percent (market 2.7 percent) reflects the efficient administration at the Stuttgart-based insurance contracts. The declared total interest in the fiscal year 2010 amounts to 4.6 percent (market 4.2 percent). Including the final surplus and the participation in the revaluation reserve is about 5.3 per cent, also well above the market average (calculation base: model case Assekurata) and the high financial power of the Stuttgart 2010. This was “confirmed rating for exceptionally strong capitalisation. 2009 from the renowned rating agency Fitch with A But also in the 17th company rating of the map report, the Stuttgart in the m-rating of German life insurers in the year under review again impressed with longtime very good performances”and received the industry’s coveted mm”-seal. ” Despite the still tense market situation as a result of the economic and financial crisis, an exceptionally successful business year 2009 concluded the Stuttgart. The positive Results once again confirms the Stuttgart in their strategy, by collaborating with free agents and brokers with a range of competitive, consistently to put top – rated products quality. Paired with a solid financial strength this is the basis for success today and in the future of the company.