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Germany needs a pension share?

experts are sounding the Alarm: For future pensioners, the state pension is no longer sufficient to maintain the standard of living. A capital-funded pension schemes could help here. A study shows what can be learned in Germany from other countries.

In Sweden's lives'in old age is relatively good, thanks to share the proceeds. The capital-funded pension scheme ensures that pensioners have more money available. In the past ten years, the local share has contributed to the orientation in the pension, the financial assets has risen by well over 80 percent. Because the savings were created in the framework of the pension scheme mainly in equities and were above-average high yields.

model of Sweden?

Swedish flag

The percentage of stocks in the Standard-premium pension (AP7 Safa) is at 92 percent. The high percentage of shares, has not harmed to the Swedish pensioners. On the contrary, The pensions are not decreased, so far, never under the paid-in contributions, even in the financial crisis of 2008.

What works in Sweden might one day be possible in Germany too. The German share Institute (DAI), the entry for the promotion of the stock hopes. The Association of actors on the German capital market has released on Wednesday a study that shows how abroad pension-share works and what you can learn Germany from these countries.

Germany lags behind in the case of the funded Pension after

the composition of the gross pension of an average earner

Whether in the United Kingdom, Canada, Australia, Sweden, Denmark, the USA, the Netherlands or Switzerland, "shares well-established and politically funded are part of retirement," says Christine Bortenlänger, Director of the stock Institute. They rely much more heavily than Germany on a capital cover stock, the method of so-called Savings. While in Germany only 25 percent of the return over the accumulation process is funded, it is in Denmark, 83 per cent, in the Netherlands at 70 percent and in the UK at 58 per cent. In Australia, the banking procedure is 100 percent.

"Other countries have power, how can you make stock, the pension provision for the future," says braid longer. You achieve returns of up to ten percent annually.

assets in the banking procedure of GDP

The German pension system relies process so far, especially on the levy. This means that The burden of old-age security rests more than in the other countries of the statutory pension insurance. This System is being pushed to its limits. No later than the retirement of the "Baby Boomer" after 2030 will overwhelm the state pension system, predicts the stock Institute in its study. The pension level will be continuously reduced, while the premiums continue to rise.

DAI recommends that the German banking procedure with an Opt-Out

Christine Bortenlänger

As a way to close the pension gap, the share Institute the enhanced capital cover of pension schemes. "The potential of stocks to exploit for future generations of Retirees, we must introduce in a timely manner, a banking procedure stock", calls on shares-lobbyist braid longer. It refers to the OECD recommends in its Pensions Outlook to 2018 a balanced mix of Savings and allocation procedures.

In the case of the countries-analysis of the authors of the study found that those with retirement-work models best capital guarantees abandoned, and the voluntary (Opt-Out) based. Consequently, the German share Institute is in favour in this country, a capital-funded pension plans to contain an Opt-Out provision and a cost-effective privately organised standard solution. The Opt-Out make sure that the companies Included in the participation can contradict. In addition, to guarantee a standard solution bar for workers with a high level of acceptance of the accumulation process.

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