Pension payments are fixed monthly payments from an insurance company paid for the individual. Payment must be paid a fixed amount at regular intervals, and periodically thereafter. You are responsible for paying both the beginning or end of the period. Payments are mainly paid annually, half yearly, quarterly or monthly. Some of the best known examples of pension payments, car, pension, insurance and mortgages. They are mostly ordinary pensions payable.Ordinary annuity refers to a fixed monthly payment at the end of each interval, if the compounds of interest rate similar to that of payment. In a fixed annuity payment is at the beginning of the interval. Other types of annuities are fixed, variable and aktienindexierter.
Fixed annuities, which are defined as fixed monthly payments and are considered low risk investments. Variable payments are invested in those parts. Equity-indexed ones are paid lump-sum payments for insuranceCompany.
Many people invest, because it enables the insurer to pay a fixed amount of cash at regular intervals in order to benefit from the life of a pensioner. If the pension is paid for the life he or she is paying the tax, which due to the amount that corresponds to the income generated by the client. Special tax rules apply to employees qualified for the pension insurance.
Efficiency calculated using the following formula:
Formula1: Payment PVoa = / [(1 - (1 / (1 + i) n)) / i]
(This formula is valid if you know the present value)
Where
• PVoa = present value of an ordinary annuity
• i = interest rate per period
• n = number of periods
Formula 2: Payment FVoa = / [((1 + i) n - 1) / i]
(This formula is valid if you know the future of the payment)
Where
• FVoa = future value of an ordinary annuity (payments are made at the end of eachPeriod)
• i = interest rate per period
• n = number of periods
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