Avoiding unnecessary sweetness in preparations.
Lisa Bergmann, a 30-year-old PhD student at a northern German university, is meticulously planning for her retirement. Despite her current professional uncertainty after completing her PhD, she has set a monthly budget of 300 euros for retirement planning.
Bergmann's focus is on achieving the most genuine sustainability possible, encompassing ecology, social aspects, and corporate governance. She finds active fund management necessary for this purpose, as it allows for the careful selection of companies. One index fund that catches her eye is the MSCI World SRI.
However, Bergmann prefers not to manage her retirement savings alone. She has chosen a fund-based pension insurance, taking advantage of the tax treatment at the end of the term according to the half-income procedure. In her long-term retirement planning, she focuses on two insurance providers, Condor Insurance being one of them.
Condor Insurance, from the cooperative sector, offers a comprehensive fund selection and has relatively low costs. Moreover, it waives opaque fees, which do not deter Bergmann. The specific names of the two insurance providers offering broad sustainable fund choices are not detailed in the provided search results.
Bergmann's retirement planning is not influenced by the ongoing lawsuits in the US regarding Pepsi and Coca-Cola's involvement in the spreading obesity epidemic, potentially indicating investment risks. She prefers not to discuss these companies due to their perceived lack of sustainability, as demonstrated by incidents such as Cristiano Ronaldo removing Coca-Cola bottles from a press conference during the European Football Championship.
It's important to note that Bergmann is not a subject of the Privacy Policy mentioned in this text.
In summary, Lisa Bergmann's approach to retirement planning is focused on sustainability, active fund management, and the careful selection of insurance providers. She prefers a collaborative approach to managing her retirement savings and is cautious about companies perceived to lack sustainability.
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