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Version 2.0 Caution: These errors can cost you your retirement

Do you know that 50% of readings career posted by the Caisse Nationale d'Assurance Old contain errors? At a time when the contribution periods will increase and payments will decline, inexorably, you must maximize your rights and be vigilant not to let any mistakes happen. The four most common mistakes, which you should be careful today. For the day you retire, your data will be harder to find.

1. Your military service goes out the window : if younger players have not had the chance to perform military service, this was the case for most of the current population. The Military Service does not give rise to contributions, but it is included in the basic schemes, under "similar quarters. One year of service can get up to 5 quarters. However in general the mention of your military service does not appear on statements sent to you career. Make sure your rights will be settled before your retirement. To do this you must provide your military record or your service as a proof.

2. Your little jobs early career forgotten: often the papers on your first few jobs have not been communicated to relevant departments. Remember to keep them and pass them until you have the information. Remember it is your responsibility to keep all receipts of work, unemployment or sick leave until your retirement. A scrupulous classification will help greatly, especially if your former employer put the key under the door since.

3. Wages of non-compliant reference : third most common mistake on your statement of some career earnings taken into account does not meet your actual salary. Miscommunication may have occurred during a change of company, salary has been forgotten or incorrectly transmitted, or only half the wages for the year was taken into account. This is a significant error because the number of your quarters is calculated directly based on your salary. If you worked a full year but have not touched the expected minimum wage, you will get not for four quarters this year. Ensure all the wages taken into account are correct and keep all your payslips to justify any error correction.

4. The miscalculation of points by the additional funds : Additional funds are not exempt either of these errors. Each year they send you a statement of retirement points. Then check that the conversion points retirement was properly conducted. This verification and possible correction will take you much less time if you do them every year if you expect your year of retirement.

In summary, you must look now which elements are provided each year to correct the As errors you detect because the work involved will be enormous if not impossible (the items are no longer available) when your retirement.

Have you found errors on returns that have been passed? How did you manage to have it corrected? What other examples of error that you know around you and that readers should be aware of?

Credit: beast love

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Who else wants to know the ranking of financial investment?

readers regularly write to me asking me what I think of such an investment they want to achieve . Is this the best investment in their situation? To any other investment should they turn? For you there, here are the types of investments, with their lives, their risks and potential returns. Interest? You'll find it easier and facilitate your choice.

You will not often see this type of classification. On the one hand because a professional has rarely all these products. Why do you boast the merits of a product he can sell you? On the other hand, when the risk increases, the performance may be debatable, depending on the time or the market in question. I start and give you my opinion on the subject.

You notice by first looking at the chart below a dozen major types of investments available to you. Some of these investments can be broken down, with returns and risks vary. Example: If you invest in unit-linked life insurance, your risks are not the same if you put your money on trackers Fellowship industrialized countries or out of funds very exotic and risky.

You see then that the assessment data are related. A savings account earns you do not really the same as a life insurance fund in euros. But compared to other investments, and given that their yields fluctuate over time, these investments are in the same range of yields.

No

Placement		Maturity Yield Risks
bearing account	Court No term		+
Savings Account Short Term Housing		No	+
Term Deposit Account	Short or medium term	No	+ +
Booklet 'Medium term savings		No	+ +
Savings Plan Housing	Medium term	No	+ + +
Life Insurance in euro fund Long Term			+ + +
Bonds	Medium or long term	Low to high	+ + +
Investment in gold	Long term	Low	+ +
Estate Long Term Rental		Low to high	+ + + +
Life unit-linked Long Term		Low to high	+ + + +
Exchange	Long term	High	+++++

Third, the durations of these investments are also indicative. You can play the stock market over the short term or buy real estate to be sold quickly. But in this case it is speculation. The risks are higher and earnings are not reproducible (eg housing bubble). But the purpose of this comparison is to remain valid over time.

Finally, by reading this ten types of investments, you're probably wondering what distribution you must take these products. My opinion is that you must always keep some diversification. Do not put all your eggs in one basket. If you're young, you have time to take risks. Diversify to reduce your risk would be therefore cons-productive. You must diversify but not too much if you kill your performance. Once your goals achieved, or close to being, you want to improve safety by cons, and reduce your risk by diversifying your investments more.

Depending on your financial goals, using this table you will know what investments are available to you. You will then need to choose between performance, risk and duration. I hope that with this table the choices are clearer for you.

Which of the following investments do you have in the portfolio? Which did not you think? On which you would like more information? What is your strategy and your ideal distribution of these investments?

Photo credit: Paulo Brandão

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