So verlierst du im Ruhestand | 50K HR
ARD Marktcheck
79,004 views
If you're getting advice from a bank, listen very carefully. Ultimately, it's not always just about getting the best deal for you. 50k host Naïma and Professor Andreas Hackethal from Goethe University Frankfurt examine the tricks and schemes of the industry. It quickly becomes clear: perhaps the system itself is the bigger problem in Germany.
Chapter overview:
00:00 Intro
00:37 Pension levels
02:26 The illusion
03:51 Why do we trust advisors?
06:19 The mathematics of wasting money
09:38 Hidden costs
12:37 Commission ban
13:44 How can I do it better?
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Note: This video is a contribution from the financial program "50k" by HR. It was published on April 1, 2026, on the ARD Marktcheck channel.
Consumer content from all ARD broadcasters is gathered here on this channel. 😊
By the way: Since MARKTCHECK is part of ARD, you can download this video for free over Wi-Fi and watch it offline on the go!
----------------
📢 Have you had any experience with financial advice? Share it in the comments!
🔔 If you enjoyed the video, please give it a like and subscribe to ARD Marktcheck for more exciting research. Subscribe here: @marktcheck
Save the date 👇
The next episode of 50k on the ARD Marktcheck channel on April 15, 2026, will be about financing vacation rentals.
👋 WELCOME TO 50k!
50k with host Naïma Kunze adds to the diversity on the ARD Marktcheck YouTube channel and helps you manage your finances better!
✔ We'll give you that extra piece of information you haven't had on a financial topic before. Gold, real estate, stocks – do you like to delve into topics down to the last detail and are looking for a way to boost your bank account? We've got you covered!
Our format name, 50k, is based on the average German income – and we want you to get the most out of your money. That's why every other Wednesday at 5 p.m., there's a new, exciting video with our host, Naïma Kunze, covering topics like investments, retirement planning, stocks, ETFs, and more. We also fulfill your desire for financial security with our expert team – mostly from the financial capital: Frankfurt am Main.
... The team behind this episode from Hessischer Rundfunk (Hessian Broadcasting):
Host: Naïma Kunze
Writer: Levin Sallamon
Research: Levin Sallamon
Camera: Jan Velten
Post-production: Maurice Friedrich
Production manager: Katrin Hofmann
Editors: Davide Di Dio, Moritz Zimmermann
Expert: Prof. Andreas Hackethal – Goethe University Frankfurt
Image source: IMAGO, Adobe Stock Tendo / bigpa / katet / คเณศ จันทร์งาม
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► Deine Rente ist NICHT sicher! 👉 Was du tun...
► Berufsunfähigkeit - versichern, ja oder ne...
► SO macht das Altersvorsorge-System uns Deu...
► Berufsunfähigkeit: Jeden 4. trifft's! 🤯 | ...
► So holst du mehr aus deinem ETF-Depot raus...
---------------------
► More current information on our homepage: https://marktcheck.ard.de
► More practical everyday tips and tricks on our Facebook page: Facebook: ard.marktcheck
► We look forward to your comments – but please observe the Netiquette: https://www.swr.de/home/netiquette-10...
►Our legal notice: https://www.swr.de/impressum/
►Our privacy policy: https://www.swr.de/datenschutz
#Bankadvisor #Financialadvisor #Commission
20 Comments
ich bin immer extrem skeptisch wenn mich ein versicherungsvertreter oder irgend wer auf irgend was anspricht.
selbst dem versicherer den meine eltern vertrauen und jahre lang kennen vertraue ich 0. auch der will doch was verkaufen und kriegt ordentlich provision, warum sollte ich ihm vertrauen?
für solche videos bin ich euch sehr dankbar und bestätigt meine regeln nur :D
Schönes Video! Wichtig wäre, dass die Menschen in Deutschland es selber machen, d.h. bereit sind ein Depot aufzumachen und selbst das Geld in Aktien / ETF anzulegen. Banken und Berater verlangen nur Geld fürs Nicht-Tun. weiter so 👍.
So verlierst du im Ruhestand | 50K HR
ARD Marktcheck
79,004 views
If you're getting advice from a bank, listen very carefully. Ultimately, it's not always just about getting the best deal for you. 50k host Naïma and Professor Andreas Hackethal from Goethe University Frankfurt examine the tricks and schemes of the industry. It quickly becomes clear: perhaps the system itself is the bigger problem in Germany.
Chapter overview:
00:00 Intro
00:37 Pension levels
02:26 The illusion
03:51 Why do we trust advisors?
06:19 The mathematics of wasting money
09:38 Hidden costs
12:37 Commission ban
13:44 How can I do it better?
------------
Note: This video is a contribution from the financial program "50k" by HR. It was published on April 1, 2026, on the ARD Marktcheck channel.
Consumer content from all ARD broadcasters is gathered here on this channel. 😊
By the way: Since MARKTCHECK is part of ARD, you can download this video for free over Wi-Fi and watch it offline on the go!
----------------
📢 Have you had any experience with financial advice? Share it in the comments!
🔔 If you enjoyed the video, please give it a like and subscribe to ARD Marktcheck for more exciting research. Subscribe here: @marktcheck
Save the date 👇
The next episode of 50k on the ARD Marktcheck channel on April 15, 2026, will be about financing vacation rentals.
👋 WELCOME TO 50k!
50k with host Naïma Kunze adds to the diversity on the ARD Marktcheck YouTube channel and helps you manage your finances better!
✔ We'll give you that extra piece of information you haven't had on a financial topic before. Gold, real estate, stocks – do you like to delve into topics down to the last detail and are looking for a way to boost your bank account? We've got you covered!
Our format name, 50k, is based on the average German income – and we want you to get the most out of your money. That's why every other Wednesday at 5 p.m., there's a new, exciting video with our host, Naïma Kunze, covering topics like investments, retirement planning, stocks, ETFs, and more. We also fulfill your desire for financial security with our expert team – mostly from the financial capital: Frankfurt am Main.
... The team behind this episode from Hessischer Rundfunk (Hessian Broadcasting):
Host: Naïma Kunze
Writer: Levin Sallamon
Research: Levin Sallamon
Camera: Jan Velten
Post-production: Maurice Friedrich
Production manager: Katrin Hofmann
Editors: Davide Di Dio, Moritz Zimmermann
Expert: Prof. Andreas Hackethal – Goethe University Frankfurt
Image source: IMAGO, Adobe Stock Tendo / bigpa / katet / คเณศ จันทร์งาม
---------------------
► Deine Rente ist NICHT sicher! 👉 Was du tun...
► Berufsunfähigkeit - versichern, ja oder ne...
► SO macht das Altersvorsorge-System uns Deu...
► Berufsunfähigkeit: Jeden 4. trifft's! 🤯 | ...
► So holst du mehr aus deinem ETF-Depot raus...
---------------------
► More current information on our homepage: https://marktcheck.ard.de
► More practical everyday tips and tricks on our Facebook page: Facebook: ard.marktcheck
► We look forward to your comments – but please observe the Netiquette: https://www.swr.de/home/netiquette-10...
►Our legal notice: https://www.swr.de/impressum/
►Our privacy policy: https://www.swr.de/datenschutz
#Bankadvisor #Financialadvisor #Commission