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Betrachtung der kapitalgedeckten Altersvorsorge als Lösungsansatz zur Reformierung der gesetzlichen Rentenversicherung

Betrachtung der kapitalgedeckten Altersvorsorge als Lösungsansatz zur Reformierung der gesetzlichen Rentenversicherung

          
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About the Book

Studienarbeit aus dem Jahr 2023 im Fachbereich BWL - Sonstiges, Note: 2,7, Fachhochschule Düsseldorf, Sprache: Deutsch, Abstract: In dieser Arbeit wird zunächst das System der Altersvorsorge in Deutschland, sowie die institutionelle Geldanlage beleuchtet. Nachfolgend werden Beispiele für langfristige Lösungsansätze erörtert und dargestellt. Abschließend wird ein Ausblick auf die aktuelle Entwicklung und mögliche Zukunftsaussichten gegeben. Der damalige Bundesminister für Arbeit und Soziales Dr. Norbert Blüm vertrat in den 1980er und 1990er Jahren die These, dass die Rente zukünftiger Generationen sicher sei. Aufgrund des demografischen Wandels sowie einer stetig alternden Bevölkerung ist es jedoch in den letzten Jahrzehnten zu einem Absenken des Rentenniveaus und zu einer Erhöhung des Renteneintrittsalters gekommen. Es ist nicht von der Hand zu weisen, dass die gesetzliche Rentenversicherung allein nicht mehr ausreicht, um den Lebensstandard in Alter abzusichern. Die "Ampel-Koalition" hat die Einführung einer gesetzlichen "Aktienrente" umgesetzt. Es wurde zunächst ein Kapitalstock der Deutschen Rentenversicherung an den Aktienmärkten gewinnbringend angelegt werden. Im Laufe der Legislaturperiode soll eine Möglichkeit zu einer staatlich verwalteten "Aktienrente" mit niedrigen Kosten geprüft werden. Mögliche Ansätze hierfür sind ein staatlich verwalteter Fond, mit niedrigen Verwaltungskosten und einer breiten Streuung der Anlagen. Diese "Aktienrente" wäre dann eine verpflichtende Ergänzung zur gesetzlichen Rentenversicherung. Aufgrund der aktuellen Niedrigzinsentwicklung gibt es kaum noch festverzinsliche Rentenversicherungen und langfristige Wertanlagen. Viele Rentenversicherungen weisen einen hohen Aktienanteil aus und profitieren so von der Kursentwicklung und den Dividenden am Kapitalmarkt. Die Versicherungsunternehmen sind oft auf hohe Renditen und eine breite Risikostreuung für ihre Kunden bedacht. Auch institutionelle Anleger wie Versorgungswerke od


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Product Details
  • ISBN-13: 9783346932976
  • Publisher: Bod Third Party Titles
  • Publisher Imprint: Grin Verlag
  • Height: 210 mm
  • No of Pages: 22
  • Spine Width: 1 mm
  • Width: 148 mm
  • ISBN-10: 3346932974
  • Publisher Date: 25 Aug 2023
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Weight: 41 gr


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