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URL:  http://boards.fool.com/and-that-the-indexed-gains-are-the-raw-sampp-30459825.aspx

Subject:  Re: Retirement, college, and Obamanomics Date:  1/1/2013  7:40 AM
Author:  AdvocatusDiaboli Number:  71161 of 78168


And that the indexed gains are the raw S&P index price, EXCLUDING dividends. That's huge. That's on the magnitude the old saw "Other than that, Mrs. Kennedy, how was the parade?"


While researching retirement investing products as well as various derivatives offered to retail investors in Germany, I have come to the conclusion that any but the most basic, transparent constructions usually come with enormous hidden fees that quite often make it difficult to even beat inflation in the long term, let alone have any real returns.
What happens to dividends is quite often a sticking point.

There is one type of German retail derivative I can recommend for long-term investments - a certificate on German performance indexes.
Primarily the DAX performance index.
This derivative issued by Deutsche Bank mirrors the perfor