tag:blogger.com,1999:blog-69890856261074339502024-03-14T05:26:47.973+01:00Atlanticlux – Sicher für später vorsorgenBloggerhttp://www.blogger.com/profile/11588801183229252346noreply@blogger.comBlogger8125tag:blogger.com,1999:blog-6989085626107433950.post-28328004949798094722014-02-17T11:07:00.000+01:002014-02-24T16:12:30.766+01:00<br />
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<span style="font-family: "Verdana","sans-serif"; font-size: 12pt; mso-bidi-font-size: 11.0pt;">Rundum
abgesichert in den Ruhestand<o:p></o:p></span></h2>
<br />
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<span style="font-family: Verdana, sans-serif;"><span style="font-size: 12px;">Gleichwohl ist die Lebensversicherung in den letzten Jahren in die Schlagzeilen geraten. Die Finanzkrise, niedrige Kapitalmarktzinsen und der Umbruch an den Finanzmärkten haben Zweifel an der Zukunftsfähigkeit des Geschäftsmodells der Lebensversicherer geweckt.</span></span><br />
<span style="font-family: Verdana, sans-serif;"><span style="font-size: 12px;"><br /></span></span>
<span style="font-family: Verdana, sans-serif;"><span style="font-size: 12px;">JEDOCH: Die Überschussbeteiligung klassischer Rentenversicherungen liegt auch weiterhin deutlich über der Verzinsung vergleichbarer sicherer Anlagen. Warum wird die Zukunftsfähigkeit des Geschäftsmodells der Lebensversicherung dann so in Frage gestellt?</span></span><br />
<span style="font-family: Verdana, sans-serif;"><span style="font-size: 12px;"><br /></span></span>
<span style="font-family: Verdana, sans-serif;"><span style="font-size: 12px;">Was ist die private Rentenversicherung?</span></span><br />
<span style="font-family: Verdana, sans-serif;"><span style="font-size: 12px;"><br /></span></span>
<span style="font-family: Verdana, sans-serif;"><span style="font-size: 12px;">Die private Rentenversicherung ist eine zu den Kapitalversicherungen zählende Versicherungsform der Altersversorgung. Die Auszahlung erfolgt entweder durch eine monatliche Rente am Ende der Ansparphase zu einem bestimmten Alter an oder alternativ in Form einer Einmalzahlung. Weder die gesetzliche Rente oder alternative Anlageprodukte bieten diesen Service.</span></span><br />
<span style="font-family: Verdana, sans-serif;"><span style="font-size: 12px;"><br /></span></span>
<span style="font-family: Verdana, sans-serif;"><span style="font-size: 12px;">Die Vorteile liegen klar auf der Hand. Private Rentenversicherungen sind flexibel, sicher und erbringen eine gute Verzinsung. Diese Zinserträge werden steuerlich unter bestimmten Voraussetzungen günstiger behandelt als andere Anlageformen. Der flexible Weg ist ein erheblicher Vorzug einer privaten Rentenversicherung. Bei einer privaten Rentenversicherung besteht die Möglichkeit Laufzeiten zu verlängern oder zu verkürzen oder kann auch mal ausgesetzt werden, falls das Budget im Moment nicht mehr hergibt.</span></span><br />
<br />
<span style="font-family: Verdana, sans-serif;"><span style="font-size: 12px;">Im Gegensatz zur Lebensversicherung wird bei einer klassischen Rentenversicherung das Todesfallrisiko nicht mitversichert. Unter sonst gleichen Bedingungen ist die Ablaufleistung einer Rentenversicherung deshalb immer größer. </span></span></div>
Adminhttp://www.blogger.com/profile/06672971902401821693noreply@blogger.com8tag:blogger.com,1999:blog-6989085626107433950.post-10421208968086685342013-02-11T16:43:00.002+01:002013-08-20T18:07:42.235+02:00Werden Versicherte wieder einmal benachteiligt? <!--[if gte mso 9]><xml>
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<span style="color: black; font-family: "Arial","sans-serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: DE;"></span><span style="color: black; font-family: "Arial","sans-serif"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: DE;">Der Streit ist vorprogrammiert, denn Bundesfinanzminister Wolfgang Schäuble
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Lebensversicherungsverträgen an den Bewertungsreserven des Versicherers anders
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Fälligkeit halten. Das macht auch Sinn, denn ältere Papiere erzielen nahezu
immer höhere Zinsen und haben demzufolge auch einen höheren Wert. Der
Gesamtverband GDV hat nachgerechnet und stellt fest, dass eien derartige
Vorgehensweise für 95 Prozent der Versicherten mit Nachteilen verbunden wäre.
Kein Wunder machen doch die Festverzinslichen den Löwenanteil aus. Warum
Schäuble und andere sich für diese Vorgehensweise einsetzen, kann nur vor dem
Hintergrund des derzeit extrem niedrigen Zinsniveaus verstanden werden. Der
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Unknownnoreply@blogger.com49tag:blogger.com,1999:blog-6989085626107433950.post-19390543109645511902012-09-04T16:14:00.002+02:002013-08-20T18:08:07.050+02:00Drittel aller deutschen Arbeitnehmer droht Altersarmut<!--[if !mso]>
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<span style="color: windowtext; font-family: "Arial","sans-serif"; font-size: 11.0pt; mso-fareast-font-family: "Times New Roman";">Deutschlands Arbeitsministerin Ursula von
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<![endif]--><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-ansi-language: DE; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: DE; mso-fareast-theme-font: minor-latin;"></span><span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;">Ohne private
Vorsorge könnte es für rund ein Drittel aller deutschen Arbeitnehmer in Zukunft
äußerst düster aussehen. Wie "Bild am Sonntag" unter Berufung auf
Berechnungen des Bundesarbeitsministeriums berichtet, ist das Armutsrisiko
künftiger Rentner größer als befürchtet. Arbeitnehmern, die 2.500 Euro brutto
im Monat verdienen und 35 Jahre Vollzeit gearbeitet haben, drohe nur eine Rente
in Höhe des Grundsicherungsbetrags in Höhe von 688 Euro.
Arbeitsministerin Ursula von der Leyen schlägt in einem Brief an die Junge
Gruppe der Unionsfraktion Alarm, dass alle, die 2500 Euro oder weniger
verdienten, "mit dem Tag des Renteneintritts den Gang zum Sozialamt
antreten" müssten.<br />
<br />
<strong><span style="font-family: "Arial","sans-serif";">Auch bei längerer
Lebensarbeitszeit kaum Verbesserung</span></strong><br />
Selbst wenn eine längere Lebensarbeitszeit zugrunde gelegt wird, sehen die
Zahlen laut "BamS" nach den aktuellen Berechnungen des
Bundesarbeitsministeriums nur geringfügig besser aus: Um auf einen
Rentenanspruch in Höhe der Grundsicherung zu kommen, müsse der Arbeitnehmer bei
40 Jahren Beitragszahlung konstant mindestens 2.200 Euro im Monat verdienen.
Ausschlaggebend für für das steigende Altersarmutsrisiko seien die beschlossenen
Rentenreformen, nach denen das Rentenniveau bis 2030 von derzeit 51 Prozent auf
43 Prozent des durchschnittlichen Nettolohns vor Steuern sinkt. <em><span style="font-family: "Arial","sans-serif";">(mb)</span></em></span><br />
<span style="font-family: "Arial","sans-serif"; font-size: 11.0pt;"><em><span style="font-family: "Arial","sans-serif";"><span style="font-size: x-small;">Quelle: FONDS professionell 2012-9-04</span></span></em></span>Unknownnoreply@blogger.com45tag:blogger.com,1999:blog-6989085626107433950.post-8951330146727724502012-05-14T22:50:00.000+02:002013-08-20T18:08:14.869+02:00Hat der Euro also nun noch eine Chancen oder nicht?<!--[if gte mso 9]><xml>
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<span style="font-family: "Arial","sans-serif";"></span><u><span style="font-family: "Arial","sans-serif";">Dr. Seibold Capital: Investoren
erwarten Euro-Kollaps</span></u></div>
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<br /></div>
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<b><span style="font-family: "Arial","sans-serif";"></span></b><span style="font-family: "Arial","sans-serif";">Das
Weiterbestehen des Euro in der jetzigen Form ist nach der Wahl des Sozialisten
Francois Hollande zum französischen Staatspräsidenten noch wesentlich
unwahrscheinlicher geworden, meint Alexander Seibold von der unabhängigen
Vermögensverwaltung Dr. Seibold Capital, Gmund am Tegernsee. „ Hollande ist
gegen den Fiskalpakt, für gemeinsame Euro-Schulden, für Staatsfinanzierung
durch die EZB. Damit geht er auf Crash-Kurs mit Europas eiserner Lady Angela
Merkel“, stellt Seibold klar. Ein interessanter Aspekt sei allerdings, dass
sich die Aktienmärkte im Euro-Raum nach der Wahl dennoch nicht stark bewegt
haben. „Meine Interpretation ist: Aktieninvestoren haben die
Gemeinschaftswährung aufgegeben und sich mit dem Scheitern des Euro
abgefunden“, betont Seibold in seinem aktuellen Marktkommentar.</span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Quelle: Fonds
Professionell online</span></div>
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<b><span style="font-family: "Arial","sans-serif";"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Deutschland
steckt bereits jetzt in der Demografie-Falle. Konkrete Altersgruppen-Zahlen
zeigen: In der privaten Altersvorsorge muss dringend Gas gegeben werden. </span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">BERLIN – Die
Demografiekrise ist kein Problem, das uns in 20 oder 30 Jahren heimsuchen wird,
sondern schon jetzt aktuell. Im Vergleich der Jahre 2009 mit 2000 zeigt sich
bereits heute: Deutschlands Bevölkerung schrumpft. Zudem gehen die Anteile der
Jungen zurück, während die Rentner immer mehr werden. In der Altersgruppe 0 bis
18 Jahre ist die Bevölkerung um 13 Prozent oder zwei Millionen Menschen
zurückgegangen. Map-Fax, der wöchentliche Kurznachrichtendienst für Risiko und
Vorsorge (Nr. 48/2011) aus dem Hause des Marktbeobachters Map-Report, hat die
Veränderungen von der Geburt bis zum 90. Lebensjahr für jedes einzelne Jahr
dokumentiert – siehe Auszug in der Tabelle. </span></div>
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<br /></div>
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<span style="font-family: "Arial","sans-serif";">Dabei zeigt
sich auch in der erwerbsfähigen Bevölkerung, also im Alter von 18 bis 65
Jahren, ein Rückgang um 3,1 Prozent oder 1,6 Millionen Menschen in nur
zehn Jahren. Dies wirkt sich bislang kaum negativ aus, weil viele
„Versorger-Ehen“ geführt werden. Von 51,4 Millionen Erwerbsfähigen sind nur
41,5 Millionen tatsächlich erwerbstätig, davon 28,5 Millionen in
Vollzeit. </span></div>
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<span style="font-family: "Arial","sans-serif";">Heftiger sind
da schon die Seniorenzahlen: Sie wuchsen in nur zehn Jahren um 23,4 Prozent
oder 3,2 Millionen Menschen. Damit wird deutlich: In der privaten
Altersvorsorge muss dringend Gas gegeben werden. „Denn die gesetzliche
Rentenkasse wird durch die Vergreisung tendenziell immer schlechter
aufgefüllt“, sagt Manfred Poweleit, Herausgeber des Map-Report. Folge: Die
staatliche Rente sinkt mit jeder folgenden Generation. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Das größte
Risiko für den Bürger bestehe darin, nicht rechtzeitig mit der eigenen Vorsorge
begonnen zu haben und im Umfang dann nur unzureichend vorzusorgen. Darin liegen
auch die Haftungsrisiken für Vorsorgeberater, die sich jedoch zunehmend dem
Problem ausgesetzt sehen, dass das verfügbare Einkommen hinreichende Vorsorge
nicht in angemessener Höhe zulässt.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif";">Wie sich
die Bevölkerung nach Altersgruppen verändert hat</span></b><span style="font-family: "Arial","sans-serif";">
</span></div>
<table border="1" cellpadding="0" cellspacing="0" class="MsoNormalTable" style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; mso-border-insideh: .5pt solid windowtext; mso-border-insidev: .5pt solid windowtext; mso-cellspacing: 0cm; mso-padding-alt: 0cm 0cm 0cm 0cm; mso-yfti-tbllook: 1184;">
<tbody>
<tr style="mso-yfti-firstrow: yes; mso-yfti-irow: 0;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"> <b>Alter</b></span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 123.0pt;" valign="top" width="164"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">Ende 2009 </span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">Ende 2000</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 135.0pt;" valign="top" width="180"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">Veränderung (%)</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"> </span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 1;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">0 - 1</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 123.0pt;" valign="top" width="164"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">665.200</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">766.500</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 135.0pt;" valign="top" width="180"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">- 13,2 </span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 2;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">10 - 11</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 123.0pt;" valign="top" width="164"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">774.400</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">955.400</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 135.0pt;" valign="top" width="180"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">- 18,9</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 3;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">30 - 31</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 123.0pt;" valign="top" width="164"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">969.400</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">1.203.600</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 135.0pt;" valign="top" width="180"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">- 19,5</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 4;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">40 - 41</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 123.0pt;" valign="top" width="164"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">1.285.200</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">1.367.300</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 135.0pt;" valign="top" width="180"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">- 6,0</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 5;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">60 - 61</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 123.0pt;" valign="top" width="164"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">1.028.300</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">1.247.700</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 135.0pt;" valign="top" width="180"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">- 17,6</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 6;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">70 - 71</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 123.0pt;" valign="top" width="164"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">1.085.800</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">782.700</span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 135.0pt;" valign="top" width="180"><div class="MsoNormal">
<span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">+ 38,7</span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 7;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">0 - 18</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 123.0pt;" valign="top" width="164"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">13.481.700</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">15.490.100</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 135.0pt;" valign="top" width="180"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">- 13,0</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 8;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">18 - 65</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 123.0pt;" valign="top" width="164"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">51.418.800</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">53.065.500</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 135.0pt;" valign="top" width="180"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">- 3,1</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 9;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">65 +</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 123.0pt;" valign="top" width="164"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">16.901.700</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">13.693.800</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 135.0pt;" valign="top" width="180"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">+ 23,4</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
</tr>
<tr style="mso-yfti-irow: 10; mso-yfti-lastrow: yes;">
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">Insgesamt</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 123.0pt;" valign="top" width="164"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">81.802.300</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 100.5pt;" valign="top" width="134"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">82.259.500</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
<td style="border: solid windowtext 1.0pt; mso-border-alt: solid windowtext .5pt; padding: 0cm 0cm 0cm 0cm; width: 135.0pt;" valign="top" width="180"><div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;">- 0,6</span></b><span style="font-family: "Arial","sans-serif"; font-size: 9.0pt; line-height: 115%;"></span></div>
</td>
</tr>
</tbody></table>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Quelle:
Map-Fax 48/2011 </span></div>
<div class="MsoNormal">
<b><span style="font-family: "Arial","sans-serif";">portfolio
international update 07.12.2011/dpo/rko</span></b><span style="font-family: "Arial","sans-serif";"></span></div>
Unknownnoreply@blogger.com104tag:blogger.com,1999:blog-6989085626107433950.post-84691863537097861752011-12-05T21:55:00.001+01:002013-08-20T18:08:33.614+02:00Umfrage: Jeder dritte Deutsche fürchtet Altersarmut wegen Euro-Krise<!--[if gte mso 9]><xml>
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<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Die
Vorsorgebereitschaft der Deutschen leidet unter der Euro-Krise – die
Währungsnostalgie profitiert: Nur jeder Fünfte glaubt, dass eine Rückkehr zur
D-Mark mehr schaden würde als nützen. Das hat eine Emnid-Umfrage im Auftrag des
Rechtsschutzversicherers Arag ergeben.</span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Euros-127x150
in Umfrage: Jeder dritte Deutsche fürchtet Altersarmut wegen Euro-KriseDie
Altersvorsorge leidet unter der Krise – so lautet ein Fazit des aktuellen
„Arag-Trends 2011/2012“, in dem ein repräsentativer Bevölkerungsdurchschnitt zu
Erwartungen und Plänen für das kommende Jahr befragt wurde. Zwar fürchtet sich
jeder dritte Befragte (32,3 Prozent) aufgrund der Euro-Krise, von Altersarmut
betroffen zu sein, doch die Bereitschaft, dies durch private Vorsorge zu
ändern, ist weitaus geringer ausgeprägt.</span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Während in
der Umfage 2007/2008 immerhin noch jeder dritte Deutsche (32,7 Prozent) plante,
in die private Altersvorsorge zu investieren, nahm dieser Wert in der Folge
stetig ab. So gab in der Umfrage 2010/2011 nur noch jeder zehnte Befragte an
(9,6 Prozent), dies tun zu wollen. In der aktuellen Befragung antworten zwar
15,5 Prozent der Deutschen, dass sie privat vorsorgen, indem sie in eine
private Rentenversicherung einzahlen – nach Einschätzung der Arag sei dieser
Wert allerdings immer noch „außerordentlich niedrig“.</span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Jeder fünfte
Deutsche (21 Prozent) begründet die eigene Untätigkeit damit, sich eine private
Vorsorge „nicht leisten zu können“. Unter den Befragten aus Ost-Deutschland
sind es sogar rund 30 Prozent.</span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Vergleichsweise
wenig Furcht verspüren die Befragten, wenn es um die Frage eines möglichen
Euro-Zusammenbruchs geht. So ist nur jeder fünfte Deutsche der Ansicht, dass
eine Rückkehr zur D-Mark mehr schaden als nützen würde. Mit steigendem
Bildungsniveau erhöht sich allerdings der Anteil der Euro-Befürworter. So
halten 40 Prozent der Befragten mit Abitur oder Uni-Abschluss die Nachteile
einer D-Mark-Wiedereinführung für größer als die Vorteile. (lk) Quelle:cash-online.de</span></div>
Unknownnoreply@blogger.com65tag:blogger.com,1999:blog-6989085626107433950.post-74931132894403720482011-11-03T09:22:00.000+01:002013-08-20T18:08:41.017+02:00Wie schütze ich in Zukunft mein Geld?<div class="MsoNormal" style="color: black;">
Wir haben festgestellt, dass sich viele Einträge - auch bei anderen von uns moderierten Blogs – um die Frage drehen, wie sicher ist denn meine Geldanlage überhaupt noch? Muss ich in Anbetracht der unglaublichen Entwicklungen (Stichwort Griechenland) heute anders im Hinblick auf meine Zukunftsvorsorge reagieren? Wie kann ich mein Geld schützen? Damit es nicht zu unübersichtlich wird, möchten wir dieses Thema hier diskutieren und freuen uns auf ebenfalls regen Zuspruch. </div>
Unknownnoreply@blogger.com82tag:blogger.com,1999:blog-6989085626107433950.post-78714539939569164612010-05-18T11:20:00.000+02:002013-08-20T18:08:54.071+02:00Sicher für später vorsorgen<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Hallo an alle, </span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">wir wollen mit Interessierten über das Thema Zukunftsabsicherung diskutieren.</span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Uns ist aufgefallen, dass ein Anbieter seit vielen Jahren mit interessanten Anlagestrategien am Markt unterwegs ist. </span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Es handelt sich um die Münchner FWU AG (<a href="http://www.fwugroup.com/">www.fwugroup.com</a>) mit ihrem Versicherer ATLANTICLUX Lebensversicherung S. A. (<a href="http://www.atlanticlux.lu/">www.atlanticlux.de</a>). </span></div>
<div class="MsoNormal">
<span style="font-family: "Arial","sans-serif";">Wer möchte hierzu mehr berichten?</span></div>
Unknownnoreply@blogger.com221