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Riesterrente. Eine Betrachtung der Wertentwicklung im Vergleich mit einem Aktiensparplan

Riesterrente. Eine Betrachtung der Wertentwicklung im Vergleich mit einem Aktiensparplan

          
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About the Book

Studienarbeit aus dem Jahr 2020 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 2,0, Hochschule Niederrhein in Mönchengladbach, Sprache: Deutsch, Abstract: In dieser Arbeit wird insbesondere die mögliche Wertentwicklung der Riester-Rente unter Berücksichtigung, der gesetzlich vorgeschriebenen Beitragsgarantie betrachtet und diese, mit der Wertentwicklung eines Aktiensparplan als Form der Altersvorsorge verglichen. Im Vorfeld werden die Grundzüge der Alterssicherung in Deutschland umrissen und das Konzept der Riester-Rente neben den Hintergründen ihrer Entstehung thematisiert. Im Hauptteil der Arbeit folgt dann eine Betrachtung des Aktiensparplans zur Altersvorsorge sowie anschließend eine Gegenüberstellung unter dem Augenmerk der Wertentwicklung. Abschließend werden die Ergebnisse in einem Fazit zusammengefasst und hierbei einige Ideen zur Optimierung der Riesterrente angebracht. Im Zuge des demographischen Wandels und den damit verbundenen Rentenreformen wurde das Rentenniveau immer weiter abgesenkt. So erhält ein Durchschnittsrentner heutzutage eine Rente von knapp 906, hierauf müssen allerdings noch Steuern und Kranken- sowie Pflegeversicherungsbeiträge gezahlt werden, sodass oftmals weniger als 850 zum Leben bleiben. Viele Rentner sind auf weitere Alterseinkünfte angewiesen, um ihrem Lebensunterhalt zu bestreiten. Nicht wenige müssen sogar staatliche Unterstützung, wie z.B. die Grundsicherung in Anspruch nehmen. Daher ist es heutzutage nahezu unerlässlich, privat für das Alter vorzusorgen. Um einen zusätzlichen Anreiz hierfür zu schaffen, hat der Staat im Jahr 2001, die sogenannte Riesterrente, benannt nach dem damaligen Bundesarbeitsminister Walter Riester, verabschiedet. Sie sollte vor allem Geringverdienern und kinderreichen Familien eine private Altersvorsorge durch die staatliche Förderung erst ermöglichen, denn oftmals stehen diesen Personenkreis geringe finanzielle Möglichkeiten zur Altersvorsorge zur Verfügung.


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Product Details
  • ISBN-13: 9783346292407
  • Publisher: Grin Verlag
  • Publisher Imprint: Grin Verlag
  • Height: 216 mm
  • No of Pages: 24
  • Spine Width: 1 mm
  • Width: 140 mm
  • ISBN-10: 3346292401
  • Publisher Date: 25 Oct 2020
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Weight: 41 gr


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