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Age precaution

by: Admin
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The age precaution has today more meaning ever before. It is not a secret that the population age graphically represented already ignores more for decades from an even age pyramid ever to a Lebensbaum very unfavorable for the pension system. There were in former times still many contribution payers on few pensioners, then one today already arrived with approximately two contribution payers per pensioner. In approximately starting from the year 2030 one counts on the fact that on each pensioner a contribution payer will come. If one regards now still the fact the fact that the people begin ever later to work and relatively early into pension goes, then might be clear that this does not improve the situation.

We live in an information and a service company and a this meant that the first life phase, thus the training, takes to more time up. Without reasonable education and study the chances at the job market are worse than ever before. The productivity rises, thus sinks the need at workers, in order to produce the same quantity of products. All these factors ensure for the fact that already for a long time far under its legally prescribed minimum stocks to keep house and this situation will not also improve the pension schemes.

Still to the end 20. Century was called it from highest government circles “the pensions are reliably”, some one become also still one of the associated choice advertisement posters of Norbert Bluem. It lasted for a long time, before in Germany it was officially admitted that one will only be able in the future sometime to finance a ground rent. The first official step, in order to avoid the threatening age poverty, was the introduction of the Riesterrente, which are nationally particularly subsidized as additional precaution. Those already since that 19. Century life insurances admitted by Gestzesänderungen into their Lukrativität were lowered and pure old age pension insurances favoured for taxation.

In principle it does not apply to become that everyone, which can afford somehow it must invest also at least a small part it the available of the money into its age precaution, in order as pensioners the beggar. Who watched out in Mathe, that has also a certain conception of the Zinseszineffekt, which affects itself straight with long running times enormously. Who begins only with 50 to take precautions for its pension which only with difficulty something similar will be able to reach, as someone with 20 or 30 years. One should think at least once over it


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