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10 years of unit-linked pension insurance and still in the red, is it still worth it?

·12dSocial

Hello everyone, I have had a fund-linked pension insurance (Signal Iduna Global Garant Invest, SIGGI Flexible Pension) with a 100 percent contribution guarantee since 2015. Now I've calculated the annual report and I'm a bit disillusioned. Key data: Term since 2015, i.e. around 10 years Paid in a total of around 19,000 euros Current contract balance around 17,500 euros Surrender value around 17,500 euros After 10 years I am slightly below the deposits, so in real terms I am clearly in the red

TickersSIGGI, ETFChannelsoil_gas, bonds, currencies, stocksCountriesgermany, usa, europeCategoriessocial-signal
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Published
6/5/2026, 11:40:43 AM
Fetched
6/5/2026, 12:07:18 PM
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de