A higher bank balance, sale proceeds received by the company or postponed investments may prompt questions about investing capital. Salaries, taxes, planned investments and reserves for quieter months must be considered first. Only the amount remaining can provide a basis for longer-term investment; the need to access funds remains a key criterion.
Relevant products at a glance
These types of product may suit your needs. The specific benefits, limitations and costs depend on the plan you choose and your circumstances.
Investmentfonds (Produktart)
Funds can combine different securities and remain exposed to the risk of losses.
Explore this product02Vermögenspolice (Produktart)
A wealth-building insurance policy is an insurance contract with a particular investment approach, costs and rules on access.
Explore this productOrganise money by its purpose
Distinguish day-to-day cash flow, foreseeable expenses and longer-term reserves. Establish when money might be needed and how much loss the business could bear without putting its obligations at risk. Include an unexpected fall in revenue. A theoretically longer investment horizon is of little help if the capital is needed for the business in the meantime.
An investment category is not yet a specific company offer
Investment funds can combine different securities and still remain exposed to market risk and possibly other investment risks. Wealth-building insurance policies are insurance contracts with their own costs and access rules. ERGO describes these categories publicly. Before a specific recommendation is made, it must be confirmed whether a particular company is eligible to hold the policy or investment account and which offer Joel can arrange.
Review costs and access together
Depending on the investment, there may be acquisition or distribution costs, ongoing administration, fund charges, custody fees or transaction costs. Selling or ending a policy early may result in losses or other disadvantages. Being able to trade an investment does not mean the full amount paid in is always available. Guarantees apply only to the agreed extent and at the specified times.
Clarify responsibilities and documentation
Cash flow planning, the company’s legal form, the intended amount and time horizon help with an initial assessment. It should also be clear who may make investment decisions and authorise transactions. Bookkeeping, financial reporting and tax treatment are coordinated with tax advisers. This page explains matters to review; it does not promise a particular company investment product, ongoing asset management or a tax advantage.
What we'll work through together
- Record payment commitments and necessary reserves
- Define the investment purpose, time horizon and capacity to bear losses
- Compare total costs and rules on access
- Clarify product eligibility, decision-making rights and tax questions
Can a GmbH take out the same wealth-building insurance policy as a private individual?
This must not be inferred from a description aimed at private clients. The eligible policyholder, insured person, rights of access and control, and terms must be checked for the specific offer. Accounting and taxes may also differ. Only after these points are clarified can you assess whether an offer might be available and suitable for the company.
Your contact for these topics: Joel Montoya Barea. The agreed terms and product documents determine what applies to a policy.
Sources and further information
External sources, mainly in German. The relevant policy terms and your individual circumstances determine what applies to you.