{"id":7711,"date":"2025-08-07T10:28:20","date_gmt":"2025-08-07T08:28:20","guid":{"rendered":"https:\/\/atb.law\/?post_type=blog-post&#038;p=7711"},"modified":"2026-03-14T10:26:04","modified_gmt":"2026-03-14T09:26:04","slug":"zivotni-tecaj-60-plus-neuspjela-mjera-za-mirovinu","status":"publish","type":"blog-post","link":"https:\/\/atb.law\/hr\/blog-post\/life-class-sixty-plus-fehlgeschlagene-altersvorsorge\/","title":{"rendered":"Life Class Sixty Plus \u2013 Neuspjeli mirovinski plan?"},"content":{"rendered":"<!-- meetergo widget start -->\n<script>\n  window.meetergo = window.meetergo || function(){ (window.meetergo.q = window.meetergo.q || []).push(arguments); };\n  meetergo('init', {\n    floatingButton: {\n      position: \"top-left\",\n      text: \" Erstgespr\u00e4ch buchen\",\n      link: \"https:\/\/cal.meetergo.com\/taudes\/15-min-erstgesprach-mit-rechtsanwalt-roman-taudes\",\n      backgroundColor: \"#144B5A\",\n      textColor: \"#FFFFFF\",\n      icon: \"CalendarPlus2\",\n      animation: \"none\"\n    },\n  });\n<\/script>\n<script defer src=\"https:\/\/liv-showcase.s3.eu-central-1.amazonaws.com\/browser-v4.js\"><\/script>\n<!-- meetergo widget end -->\n<h2 id=\"page-was-ist-life-class-sixty-plus\"><strong>\u0160to je &#x27;Life Class Sixty Plus&#x27;?<\/strong><\/h2>\n<p>Mirovinski plan &quot;Life Class Sixty Plus&quot; plasirao je IFA AG od otprilike 2005. godine nadalje. Cilj ovog navodno sigurnog mirovinskog plana bio je osigurati dopunsku mirovinu. Financijski model obi\u010dno se sastojao od tri komponente:<\/p>\n<ul>\n<li><strong>Kredit u stranoj valuti:<\/strong> za financiranje premija \u2013 zajam se obi\u010dno uzimao u \u0161vicarskim francima (CHF). Glavne banke koje su osiguravale financiranje bile su Volksbank i Sparkasse.<\/li>\n<li><strong>Do\u017eivotno mirovinsko osiguranje s trenutnom isplatom, zajam\u010denom mirovinom i bonus mirovinom:<\/strong> Sredstva zajma iskori\u0161tena su za sklapanje police mirovinskog osiguranja kod UNIQA-e ili WIENER ST\u00c4DTISCHE Versicherung. Ta je polica mirovinskog osiguranja jam\u010dila zajam\u010denu mjese\u010dnu mirovinu (mjese\u010dnu isplatu zajam\u010denog iznosa) kao i bonus mirovinu.\u00a0<\/li>\n<li><strong>\u017divotno osiguranje s investicijskim vezom:<\/strong> Mjese\u010dne isplate mirovine od WIENER ST\u00c4DTISCHE ili UNIQA osiguranja kori\u0161tene su za izgradnju police \u017eivotnog osiguranja vezane za udjele kod StandardLife.<\/li>\n<\/ul>\n<p><strong>Obe\u0107ana logika:<\/strong> Na kraju trajanja police \u017eivotnog osiguranja vezane uz jedinice, osigurana svota trebala je poslu\u017eiti za otplatu zajma. Zahvaljuju\u0107i efektu poluge i predvi\u0111enim rezultatima police osiguranja, klijenti su trebali dobiti privla\u010dnu dopunsku mirovinu \u2013 uz istovremeno o\u010duvanje likvidnosti.<\/p>\n<p>Me\u0111utim, zbog lo\u0161eg u\u010dinka \u0161vicarskog franka (CHF) i slabijeg u\u010dinka \u017eivotnog osiguranja Standard Life, ulaga\u010di se sada suo\u010davaju s manjkom u isplatama.\u00a0<\/p>\n<h2 id=\"page-die-realitat-hohe-kosten-fremdwahrungsrisiken-und-massive-verluste\"><strong>Stvarnost: visoki tro\u0161kovi, devizni rizici i ogromni gubici<\/strong><\/h2>\n<p>Ono \u0161to mnogi ulaga\u010di nisu znali kada su ugovorili &#x27;mirovinski plan&#x27; LifeClass Sixty Plus:<\/p>\n<ul>\n<li>Struktura financiranja bila je vrlo slo\u017eena.<\/li>\n<li>Police osiguranja imale su visoke, \u010desto skrivene tro\u0161kove.<\/li>\n<li>Bilo je masivno <strong>Valutni rizik<\/strong> (npr. zajam u CHF-u).<\/li>\n<li>Tijekom godina zajam\u010dena dopunska mirovina smanjena je \u2013 u nekim slu\u010dajevima nezakonito \u2013 za vi\u0161e od 50%.<\/li>\n<li>U mnogim slu\u010dajevima rati otplate nisu bile dovoljne za servisiranje zajma.<\/li>\n<\/ul>\n<p><strong>Zaklju\u010dak:<\/strong> Umjesto sigurne mirovine, mnogi su klijenti ostali s velikim neizmirenim dugom, niskim mirovinskim isplatama i osje\u0107ajem da su prevareni.<\/p>\n<h2 id=\"page-wo-wir-helfen-konnen-schwerpunkt-wiener-stadtische-versicherung\"><strong>Gdje mo\u017eemo pomo\u0107i: Fokus na Wiener St\u00e4dtische osiguranje<\/strong><\/h2>\n<p>U velikom broju ugovora, <strong>Wiener St\u00e4dtische osiguranje<\/strong> Uveden kao osiguravaju\u0107i partner. Na\u0161a pravna analiza i povijest slu\u010dajeva pokazale su da:<\/p>\n<p><strong>Upravo smo tim ugovorima uspjeli identificirati pravno provediv na\u010din osiguranja naknade za zna\u010dajan dio gubitka.<\/strong><\/p>\n<p>U mnogim slu\u010dajevima uspjeli smo, <strong>zna\u010dajni prinosi za na\u0161e klijente<\/strong> posti\u0107i \u2013 osobito kada je Wiener St\u00e4dtische ugovorna strana.<\/p>\n<h2 id=\"page-was-sollten-sie-jetzt-tun\"><strong>\u0160to biste trebali u\u010diniti sada?<\/strong><\/h2>\n<p>Ako ste korisnik usluge &#x27;Life Class Sixty Plus&#x27; \u2013 osobito ako imate <strong>Wiener St\u00e4dtische osiguranje<\/strong> kao osiguravatelj \u2013 trebate postupiti brzo:<\/p>\n<p>\u2705 <strong>Provjerite svoje ugovore<\/strong><br \/>\u2705 <strong>Zabilje\u017eite stvarne isplate mirovina i projekcije<\/strong><br \/>\u2705 <strong>Molimo kontaktirajte nas za neobvezuju\u0107u po\u010detnu procjenu.<\/strong><\/p>\n<p>Zastupamo brojne klijente diljem Austrije i to\u010dno znamo odakle po\u010deti kada se radi o ovim slo\u017eenim shemama.<\/p>\n<h2 id=\"page-fazit-teure-fehlkonstruktion-mit-rechtlicher-angriffsflache\"><strong>Zaklju\u010dak: Skupa dizajnerska pogre\u0161ka koja ostavlja shemu otvorenom za pravne izazove.<\/strong><\/h2>\n<p>\u201eZa mnoge se &#x27;Life Class Sixty Plus&#x27; nije pokazala onakvom kakvom je obe\u0107ano. Ipak jest. <strong>Nije kasno za poduzeti akciju.<\/strong>. To je osobito slu\u010daj kod ugovora s Wiener St\u00e4dtische. <strong>realisti\u010dna mogu\u0107nost povrata zna\u010dajnog dijela gubitaka<\/strong>.<\/p>\n<p>\ud83d\udce9 Kontaktirajte nas odmah \u2013 brzo i profesionalno \u0107emo procijeniti va\u0161 zahtjev. Za besplatnu po\u010detnu procjenu, Roman Taudes i njegov tim dostupni su u bilo koje vrijeme na <a href=\"mailto:office@atb.law\" data-wplink-edit=\"true\">office@atb.law<\/a> ili telefonom na <a href=\"tel:+4313912345\">01 39 12345<\/a> dostupno.<\/p>\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"template":"","categories":[39],"class_list":["post-7711","blog-post","type-blog-post","status-publish","has-post-thumbnail","hentry","category-anlegerrecht"],"acf":[],"post-kategorie":"39","_post-kategorie":"field_66d947537140a","post-kurzbeschreibung":"Schadenersatz - Garantierente - Haftung","_post-kurzbeschreibung":"field_66d949fe1efe2","post-beitragsbild":"7712","_post-beitragsbild":"field_66d94a4a1efe3","post-author_post-author-name":"Roman Taudes","_post-author_post-author-name":"field_66d94a801efe5","post-author_post-author-foto":"1855","_post-author_post-author-foto":"field_66d94aa11efe6","post-author":"","_post-author":"field_66d94ee2827ca","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Life Class Sixty Plus \u2013 Fehlgeschlagene Altersvorsorge? | ATB.LAW<\/title>\n<meta name=\"description\" content=\"IFA-Modell \u201eLife Class Sixty Plus\u201c entt\u00e4uscht tausende Kunden. 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