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Vorschläge zur Reform der Alterssicherung in Deutschland (Langfassung)

Author

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  • Strobel, Jürgen

Abstract

Alterssicherung in Deutschland ist zu Beginn der laufenden Legislaturperiode wieder stärker in den Fokus der Politik gerückt, da die nachvollziehbaren Erwartungen der vielen Millionen Versicherten der Gesetzlichen Rentenversicherung an eine auskömmliche Altersversorgung kaum noch mit realistischen Möglichkeiten der Finanzierung in Einklang zu bringen sind. Der vorliegende Beitrag enthält einen Vorschlag zur mittelfristigen Entschärfung dieses Problems. Plädiert wird für ein behutsames Absenken des Versorgungsniveaus in der gesetzlichen Rente ab Beginn der 2030-er Jahre in Verbindung mit einer zusätzlichen kapitalgedeckten obligatorischen Altersvorsorge, die im Kern auf einer deutlich reformierten Riester-Rente beruht mit einer Produktgestaltung, die sich eng an diejenige der Gesetzlichen Rentenversicherung anlehnt.

Suggested Citation

  • Strobel, Jürgen, 2025. "Vorschläge zur Reform der Alterssicherung in Deutschland (Langfassung)," Forschung am ivwKöln 2/2025, Technische Hochschule Köln – University of Applied Sciences, Institute for Insurance Studies.
    • Handle: RePEc:zbw:thkivw:331862
    DOI: 10.57684/COS-1307
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    JEL classification:

    • H - Public Economics
    • H5 - Public Economics - - National Government Expenditures and Related Policies
    • H55 - Public Economics - - National Government Expenditures and Related Policies - - - Social Security and Public Pensions

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