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nachhaltige Pensionsvorsorge in Österreich

nachhaltige Pensionsvorsorge in Österreich


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About the Book

Projektarbeit aus dem Jahr 2013 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 2,3, Hamburger Fern-Hochschule, Sprache: Deutsch, Abstract: "Wer eine Arbeit hinter sich hat, soll eine Aufgabe vor sich haben." Horst W. Opaschowski, deutscher Zukunftswissenschaftler und Berater für Politik und Wirtschaft spricht mit seinem Zitat zur Pensionsthematik einen wichtigen Punkt an. Nach vielen Jahren der harten Arbeit verbirgt sich in der Pension nicht nur leere Zeit, sondern die Chance neuen Aufgaben nachzukommen oder um sich anderwärtig zu verwirklichen oder zu beschäftigen. Um diese neuen Impulse aber ausleben zu können ist unter anderem ein entscheidender Faktor notwendig - Geld! Seit vielen Jahren wird das Thema Pensionsvorsorge somit immer wichtiger, da die staatlichen Pensionen für die kommenden Generationen nicht mehr finanzierbar sein werden. Die Gründe sind eindeutig, da in Österreich nach dem Umlageverfahren vorgegangen wird, d.h. Pensionszahlungen an aktuelle Pensionisten werden von aktuellen Arbeitnehmern größtenteils über die eigenen Sozialversicherungsbeiträge bezahlt. Zukünftige Pensionisten sollen dann auch wieder von zukünftigen Arbeitnehmern finanziert werden. Die Problematik bei diesem Szenario ist aber die höhere Lebenserwartung gekoppelt mit der sinkenden Geburtenrate und dem immer späteren Einstieg ins Berufsleben aufgrund von längeren Ausbildungszeiten. Zukünftig werden somit nicht genug Beitragszahler vorhanden sein, um die steigende Anzahl an Pensionisten voll zu finanzieren. Die Folge ist eine hohe Anzahl an Pensionisten, die immer weniger Geld zur Verfügung haben, um ihren Lebensstandard zu sichern. Die sogenannte Pensionslücke verglichen mit dem Letztgehalt wird somit von Jahr zu Jahr immer größer und die gewonnene Zeit in der Pension kann immer weniger ausgelebt werden.


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Product Details
  • ISBN-13: 9783656492375
  • Publisher: Grin Verlag
  • Publisher Imprint: Grin Verlag
  • Height: 210 mm
  • No of Pages: 32
  • Series Title: German
  • Sub Title: Versicherungssparen oder Wertpapierfonds?: Das Ziel ist das Gleiche - der Weg ein ganz anderer
  • Width: 148 mm
  • ISBN-10: 3656492379
  • Publisher Date: 13 Sep 2013
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 2 mm
  • Weight: 104 gr


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