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Vor- und Nachteile der Riesterförderung im Vergleich zur privaten Altersvorsorge am Beispiel der fondsgebundenen Versicherung

Vor- und Nachteile der Riesterförderung im Vergleich zur privaten Altersvorsorge am Beispiel der fondsgebundenen Versicherung

          
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About the Book

Projektarbeit aus dem Jahr 2011 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 1,3, AKAD-Fachhochschule Pinneberg (ehem. Rendsburg), Sprache: Deutsch, Abstract: 1 Einleitung Die "Entwicklung von Schaukelpferden zu Schaukelstühlen"1 des als demografischen Wandel bezeichneten Prozesses der gesellschaftlichen Alterung und die Auswirkungen auf die sozialen Sicherungssysteme in Deutschland, allen voran der umlagenfinanzierten gesetzlichen Rentenversicherung (gRV), dürfte mittlerweile in das Bewusstsein der Bevölkerung eingedrungen sein. Das Deutsche Institut für Altersvorsorge (DIA) stellte fest, dass der Sparfleiß der Deutschen in dem Zeitraum 1999 bis 2009 der höchste aller Zeiten war.2 Betrachtet man die verschiedenen Reformen der letzten Jahre, das Altersvermögensergänzungsgesetz (2001), des Gesetzes zur Sicherung der nachhaltigen Finanzierungsgrundlagen der gesetzlichen Rentenversicherung, kurz RV-Nachhaltigkeitsgesetz (2004) und die Anhebung der Regelaltersgrenze von 65 auf 67 Jahre ab 2029 in 2006, die zur Stabilisierung der gesetzlichen Rentenversicherung dienen sollen, sind die Leistungseinschnitte massiv. Nichts desto trotz wird das Leistungsniveau der gesetzlichen Rentenversicherung zukünftiger Generationen deutlich sinken. Denn der Übergang der sogenannten "Baby-Boomer"-Generation der 60er Jahre in den Ruhestand und das Verhindern des Absinkens des durchschnittlichen Bruttoentgelts unter 43% bis zum Jahr 2030 wird zur "demographischen Belastungsprobe".3 Um den Lebensstandard im Alter halten zu können wird die private Altersvorsorge also unumgänglich werden. Mit der Riesterrente soll unter anderem die durch die eben genannten Rentenreformen entstehende Rentenlücke in der gesetzlichen Rentenversicherung gefüllt und das Versorgungsniveau stabilisiert werden. In einem Gutachten von Univ.-Prof. Dr. Andreas Oehler wird festgestellt, dass die Riesterförderung grundsätzlich auch empfehlenswert hierfür ist.4 Doch trotz der offensichtlichen Notwendigkeit der ei


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Product Details
  • ISBN-13: 9783656002260
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 5 mm
  • Width: 148 mm
  • ISBN-10: 3656002266
  • Publisher Date: 14 Sep 2011
  • Height: 210 mm
  • No of Pages: 76
  • Series Title: German
  • Weight: 109 gr


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Vor- und Nachteile der Riesterförderung im Vergleich zur privaten Altersvorsorge am Beispiel der fondsgebundenen Versicherung
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Vor- und Nachteile der Riesterförderung im Vergleich zur privaten Altersvorsorge am Beispiel der fondsgebundenen Versicherung
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