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Riester-Publikumsfondssparpläne versus traditionelle Fondssparpläne

Riester-Publikumsfondssparpläne versus traditionelle Fondssparpläne


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About the Book

Inhaltsangabe: Einleitung: „Sicher: Es gibt viele Wege, sich das notwendige Finanzpolster [für den Ruhestand] zu schaffen. Einer der ertragreichsten ist jedoch die [langfristige] Investition in Wertpapiere, besonders in Aktien. (...)" Das mögen sich auch die Vorsorgesparer in den USA gedacht haben. Hier setzt man seit Jahrzehnten neben einer Grundrente auf die Kombination betrieblicher und privater Vorsorge mit Publikumsfonds. Nicht umsonst beträgt in der amerikanischen Bevölkerung das durchschnittliche Pro-Kopf-Investmentvermögen über 28.000 Euro, im Vergleich dazu fällt das deutsche Vermögen mit gut 5.000 Euro pro Bürger eher bescheiden aus. Etliche Rentner, die sich auf eine gute Wertentwicklung der börsennotierten Anlagen verließen, wurden enttäuscht: Aufgrund hoher Aktienquoten in den Altersvorsorgedepots, den seit 2001 anhaltenden Börsenturbulenzen und den damit einhergehenden Verlusten, muß so mancher Ruheständler in den USA wieder eine Beschäftigung aufnehmen, um im Alter seinen Lebensstandard halten zu können. Es drängt sich somit die Frage auf, ob sich Investmentfonds und die darauf abgeschlossenen Sparverträge überhaupt zur allgemeinen Altersvorsorge eignen. Um hierauf eine Antwort zu bekommen, betrachte ich in dieser Arbeit den Themenkomplex Investmentfondssparen im Zusammenhang mit der privaten Altersvorsorge. In Kapitel 1 wird dem Leser eine kurze Übersicht über das Rentensystem in Deutschland gegeben. Außerdem wird die neue staatlich geförderte Rente vorgestellt. Der Autor verzichtet absichtlich auf eine detaillierte Beschreibung der neuen kapitalgedeckten Altersvorsorge („Riester-Rente") und beschränkt sich bei seinen Ausführungen auf die für diese Arbeit relevanten Themen. Im zweiten Kapitel wird zunächst eine Informationsbasis für die nachfolgenden Kapitel bezüglich Investmentfonds geboten. Anhand einiger Beispiele und Rechenausführungen werden die Vorzüge von Fondssparverträgen aufgezeigt. In Kapitel 3 stelle ich die von den verschiedenen In


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Product Details
  • ISBN-13: 9783838668987
  • Publisher: Diplom.de
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 8 mm
  • Weight: 227 gr
  • ISBN-10: 3838668987
  • Publisher Date: 12 Jun 2003
  • Height: 210 mm
  • No of Pages: 128
  • Series Title: German
  • Sub Title: Eine vergleichende finanzwirtschaftliche und steuerliche Analyse der Eignung zur Altersvorsorge
  • Width: 148 mm


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