UpToWick

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  I was advised...I actually wanted a Dread Disease insurance (it sounded, and still sounds, better than an BU, because I get a big lump sum to restructure my life after a devastating disease), but maybe my broker didn't choose the best for me. I though it was actually good that somehow I get back the money I paid after 40 years, but I guess I misunderstood that they only invest a small part of my contributions.   The Risikolebenversicherung won't cover all the diseases that the Dread Disease Insurance covers...but it would cover at least death.   Do you mean that a Kapitalebensversicherung is also a bad idea, since (unless I'm misunderstood) it also has an investment part?  

I have a Dread Disease Insurance with Gothaer since 2012. I pay every year about 700+ EUR, for a 100K EUR cover in case of death and 20+ diseases.   From what I understood, the money I pay them is invested in 2 funds, and at the end of the contract (in 2040), unless I got one of those diseases or I died (in which case I get 100K), I'll get back the money paid + any gains from the investment.   The 2 funds are FF - European Growth A Euro (WKN: 973270) and Pioneer Fds US Pioneer C EUR ND (WKN: 805669).   Problem is...after 6+ years, the total value of my investments is less than 1.5K, despite having paid them 4000+ EUR.   They send me every year since 2012 an annual statement, but they started to notify me of the value of these funds only since 2016. If you look at the growth of those funds over the last 6 years, they haven't crashed, so the only explanation I have is that, for the first 5 years anything you pay ends up in "fees", and only since 2016 they actually started investing what I paid.   I don't think I'm going to cancel it, but I'd like to hear the opinion of somebody with more experience. I've been thinking of switching to a cheaper Risikolebensversicherung and invest the money I save on my own in some ETF which tracks an index.

I don't need to 'change the world', 'distrupt industry X' (I prefer to build something than to disrupt) or other American bullshit. I prefer the German approach...lower salaries, no shiny bullshit, no overcommittment (unlike people like Elon Musk who don't care if his employees have to work 16 hours a day for weeks to fullfil his egocentric unrealistic deadlines. The world is not gonna end if your cars full of bugs or exploding rockets get delivered a few months later)...and you have a life after 6 p.m.

  You can also get to and from Prague using the train from Munich...it's only slightly slower than the bus, and if you book the ticket from the Czech Railways website, it can even be cheaper than Flixbus...