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Chancen durch mehr Flexibilität in der steuerlich geförderten privaten Altersvorsorge
[Opportunities Arising from Greater Flexibility in Tax-Advantaged Private Retirement Provision]

Author

Listed:
  • Ralf Korn

    (University of Kaiserslautern-Landau (RPTU))

  • Eckhard Platen

    (UTS - University of Technology Sydney)

  • Matthias Scherer

    (TUM - Technische Universität Munchen = Technical University Munich = Université Technique de Munich)

  • Thorsten Schmidt

    (Albert-Ludwigs-Universität Freiburg = University of Freiburg)

Abstract

Die Altersvorsorge besitzt einen entscheidenden Vorteil: Zeit. Wie lässt sich der lange Anlagehorizont zwischen Einzahlung und Rentenbeginn möglichst effektiv nutzen, um ein gegebenes Rentenziel deutlich kostengünstiger zu erreichen als mit klassischen Garantie- und Sparprodukten? Dieser Beitrag diskutiert die Chancen und Risiken kapitalgedeckter Ergänzungen in der privaten Altersvorsorge. Ausgehend von der aktuellen Reform stellen wir Konzepte vor, die langfristige Kapitalmarktrenditen nutzen und gleichzeitig ein hohes Maß an Sicherheit ermöglichen. Darüber hinaus diskutieren wir die neuen Produktmöglichkeiten der Reform sowie deren Auswirkungen auf Wirtschaft, Gesellschaft und zukünftige Generationen.

Suggested Citation

  • Ralf Korn & Eckhard Platen & Matthias Scherer & Thorsten Schmidt, 2026. "Chancen durch mehr Flexibilität in der steuerlich geförderten privaten Altersvorsorge [Opportunities Arising from Greater Flexibility in Tax-Advantaged Private Retirement Provision]," Working Papers hal-05642440, HAL.
    • Handle: RePEc:hal:wpaper:hal-05642440
    Note: View the original document on HAL open archive server: https://hal.science/hal-05642440v1
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