Who does not dream and of his life to return prematurely to the back and the rest was all according to their own taste and to enjoy earlier than provided for by the legislature? What you might not realize all the long-cherished wishes: Whether it is together, in the hammock, dozing, with the Bike on Easy Rider, snorkeling on the beautiful beach, sailing, the relax, a picnic in the Green, the Handicap in Golf, improving Golf, or, or, or – with the newly gained leisure is open to the world again. (Ad) Now coupons from EXPEDIA for attractive last minute travel

And the Best part is that It all must remain a dream. With the right preparation and the right strategy, this can be for almost any German citizen to become a reality. After all, the Germans would hang with 60,2 years, your Job on the nail, the younger generations on the loved one even long before that. More difficult is likely to be in the rule, the financing. Who would not want to later in old-age poverty, has to plan his early retirement, financially very well. FOCM FOCUS-Online pension calculator to Calculate the amount of your pension

Dim scenario

Because even when the standard Retirement age, the statutory payments make up only a part of the retirement income. Without supplementary funds, many retirees would not come over the rounds. In this case, the statutory pension system does not work according to the personal savings principle, but the funds of the current contributors will be immediately distributed to the current retirees. Only a small financial buffer to smooth out short-term fluctuations – these reserves are currently enough for around 1,63 months. FOCM

But not even that can Finance the social funds themselves. Every year a whopping subsidies from the tax pot are needed for the coming year, for the first time more than 100 billion euros. In addition, The German life is: "always longer and healthier," says Axel Börsch-Supan, Director at the Max-Planck-Institute for social law. "So you have to think: How to deal with these additional years?" FOCM

But what makes the policy? Instead of designing the pension system sustainable in the future, be diligent distributes new gifts: retirement at 63, mothers ' pension, double stop line when the pension level and the contribution rate. All the costs and costs. Add to that the current plans for the basic pension.

Also again promised about twice as expensive as by the Minister of labour, has attributed the financial expert, Bernd Raffelhüschen downstream. His conclusion: "This is an irresponsible misleading of the tax and contribution payers." The low calculated additional costs of the Ministry are not taken into account in the planning of the budget yet. We will answer your questions about the pension

Our PDF-a special issue of answers to all the questions on the topic of retirement - of the statutory pension, the Riester subsidy to private pension insurance. Sample calculations show the tax impact and explain the advantages and disadvantages of the individual products.

download the counselor click here for the price of 9.99 Euro .

PDF guide

misconceptions

Decreasing pension level, more Early retirement, less depositors, increasing life expectancy and a long - lasting zero-interest-rate phase, so that there is on traditional Savings accounts and no income is more: a miserable Melange, and push reforms of the state and the Expansion of private pension provision. FOCM

And yet for all this also a sensible approach. Share save instead of saving book must be called the foreign exchange. For in their investment behaviour of German citizens are lagging behind the current developments in the Capital markets for miles. Still, you carry your money preferred to traditional vehicles such as savings deposits or current accounts. The result: Almost 40 billion euros, domestic savers have lost in the last year alone hardly interest-bearing deposits below the rate of inflation, calculated by the consulting firm Barkow Consulting. FOCM

Rational perspectives

Prior to the equity commitment, the risk-averse Germans, however, mostly fear. Connect the stock market with short-term speculation and see, above all, uncontrollable risks, such as a study conducted by the insurer Axa to the system behavior. Thus, the long-term success of the shares, savings, evidenced by the well-known Dax-return triangle for a monthly investment of the past 50 years an impressive misjudge you but just.

for example, a 20 years savings period: The average annual return is nine percent, in the worst case, it was 4.7, in the best case, a 16.1 percent per year. Admittedly, of course, bad stock market years are in there, and even a veritable Crash is possible. But in the extreme crisis scenario, all the saving systems would be guaranteed to get the problems and, above all, one thing is for sure: Who does nothing, or next to zero interest-rate products continued to lose. FOCM

This realization is beginning to have an impact, so that there are now capital market funded proposals for reform to the pension. For example, the Munich-based Ifo Institute, a citizens ' Fund promotes, through the pensioners without their own payments in old-age an additional income. The Federal Republic of Germany should use its good credit, to by delayed debt reduction money saved to invest internationally broadly diversified in the stock market and the yield differential to the pensioner to pay.

The Problem: So pension for the Individual, only relatively modest amounts as an additive. Or the proposal of the CDU-politician Friedrich Merz, the "keep a new culture of share savings" to improve capital formation in the private house, for tax purposes, would like to promote. "It is conceivable, an annual free amount under the to build a share - based savings or pension plan," says Merz. Whether such proposals can really enforce, is open. Especially as the currently by the Minister of Finance, promoted to a financial transaction tax to save the private Share is rather more likely to torpedo.

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Date Of Update: 17 February 2020, 07:00