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Die Deutschlandrente: Ein Konzept zur Stärkung der kapitalgedeckten Altersvorsorge

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  • Andreas Knabe
  • Joachim Weimann

Abstract

Der demographische Wandel stellt die deutsche Rentenpolitik vor große Herausforderungen. Mit dem Renten­eintritt der Babyboomer-Generation werden immer mehr Rentenempfänger immer weniger Beitragszahlern gegenüberstehen. Um die Lasten gleichmäßiger auf die verschiedenen Generationen zu verteilen, wurde mit der Riester-Reform beschlossen, das Niveau der gesetzlichen, umlagefinanzierten Rentenversicherung zu reduzieren und den Aufbau zusätzlicher, kapitalgedeckter Altersvorsorge zu stärken. Allerdings bleibt die Verbreitung der betrieblichen und privaten Altersvorsorge deutlich hinter den ursprünglichen Erwartungen zurück. Andreas Knabe und Joachim Weimann, Universität Magdeburg, legen dar, wie mit der Deutschlandrente die private Altersvorsorge gestärkt werden kann. Der Status quo wird so verändert, dass jeder, der nicht aktiv widerspricht, erst einmal über eine zusätzliche Altersvorsorge verfügt. Alle Beschäftigten werden hierzu über ihre Arbeitgeber automatisch in die betriebliche oder private Altersvorsorge einbezogen. Da es den Arbeitnehmern jederzeit möglich ist, die zusätzliche Vorsorge einzustellen, wird ihre Entscheidungsfreiheit nicht eingeschränkt.

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  • Andreas Knabe & Joachim Weimann, 2017. "Die Deutschlandrente: Ein Konzept zur Stärkung der kapitalgedeckten Altersvorsorge," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 70(18), pages 25-33, September.
  • Handle: RePEc:ces:ifosdt:v:70:y:2017:i:18:p:25-33
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    References listed on IDEAS

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    1. Clemens Fuest & Christa Hainz & Volker Meier & Martin Werding, 2019. "Staatsfonds für eine effiziente Altersvorsorge: Welche innovativen Lösungen sind möglich?," ifo Schnelldienst, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 72(14), pages 03-08, July.

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    More about this item

    Keywords

    Altersvorsorge; Private Altersvorsorge; Kapitaldeckungsverfahren; Rentenfinanzierung; Rentenpolitik; Rentenreform; Deutschland;
    All these keywords.

    JEL classification:

    • H55 - Public Economics - - National Government Expenditures and Related Policies - - - Social Security and Public Pensions
    • J26 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Retirement; Retirement Policies
    • J14 - Labor and Demographic Economics - - Demographic Economics - - - Economics of the Elderly; Economics of the Handicapped; Non-Labor Market Discrimination

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