FONDS professionell Deutschland, Ausgabe 3/2025

%DQNHQ 630 ,QVJHVDPW LGHQWLlj]LHUW VLH EXQGHVZHLW DNWXHOO HOI JUĆĕHUH 630 LQ YLHU GXUFKIĞKUHQGHQ (LQULFKWXQJHQ EHL GHQHQ GLH U%= WDULIYHUWUDJOLFK ]ZLVFKHQ GHQ 6R]LDOSDUWQHUQ YHUHLQEDUW LVW Ľ6ROFKH 6\VWHPH ]HLFKQHQ VLFK GXUFK QLHGULJHUH .RVWHQ DOV SULYDWZLUWVFKDIWOLFKH $QODJH- IRUPHQ DXVĺ DUJXPHQWLHUW .HUVFKEDX- PHU :ÌKUHQG GLH GXUFKVFKQLWWOLFKHQ $EVFKOXVV XQG 9HUZDOWXQJVNRVWHQ EHL 'LUHNWYHUVLFKHUXQJHQ XQG EHL 3HQVLRQV- NDVVHQ GUHL ELV IĞQI 3UR]HQW DXVPDFKWHQ VHLHQ HV EHLP 0HW]OHU 6R]LDOSDUWQHU 3HQ- VLRQVIRQGV GHU GDV (QHUJLH 630 RUJDQL- VLHUW DXI ODQJH 6LFKW LP 6FKQLWW QXU 3UR]HQW 'DPLW NÌPH LP 630 HLQH GHXW- OLFK KĆKHUH 5HQWH KHUDXV (LQ ZHLWHUHU 3OXVSXQNW VHL GLH DXWRPDWLVFKH (LQEH- ]LHKXQJ DOOHU XQWHU GHQ *HOWXQJVEHUHLFK GHV 7DULIYHUWUDJV IDOOHQGHQ %HVFKÌIWLJWHQ 'DPLW VHL ĽHLQ 9HUWULHE GHU LQIRUPLHUW XQG EHUÌW HQWEHKUOLFKĺ PHLQW .HUVFKEDX- PHU $QELHWHU LQGLYLGXHOOHU 0RGHOOH IĞU GLH %HWULHEVUHQWH SRFKHQ GDJHJHQ ]ZLQ- JHQG DXI GDV IDFKOLFKH %HUDWXQJVPDQGDW Großer Zuspruch $NWXHOO VFKOLHĕHQ VLFK LPPHU PHKU %UDQFKHQ GHQ JURĕHQ 630 GHU &KHPLH XQG (QHUJLHZLUWVFKDIW DQ 6R KDEHQ GLH IHLQNHUDPLVFKH ,QGXVWULH GLH *ODV XQG 6RODULQGXVWULH VRZLH GLH .XQVWVWRȯQGXV- WULH LQ %D\HUQ GLH MHZHLOV HLQHQ )OÌFKHQ- WDULIYHUWUDJ ĞEHU GLH U%= DEJHVFKORVVHQ KDWWHQ DQ GDV &KHPLH 630 DQJHGRFNW %HLP %DQNHQ 630 GDV ELVODQJ QXU GLH 3RVWEDQN ĞEHU GHQ %99 3HQVLRQVIRQGV QXW]W NOLQNHQ VLFK ]XP 2NWREHU GUHL ZHLWHUH %DQNHQ HLQ 8QG EHLP (QHUJLH 630 ĞEHU GDV ]XP )HEUXDU DXFK GLH %RGHQYHUNHKUVGLHQVWH HLQH U%= PLW 9HUGL YHUHLQEDUW KDEHQ GRFNHQ $QIDQJ -DQXDU GLH SULYDWHQ 2PQLEXVXQWHU- QHKPHQ %DGHQ:ĞUWWHPEHUJ VRZLH GLH $UEHLWHUZRKOIDKUW 8QWHUIUDQNHQ DQ 'LH 7DULIDEVFKOĞVVH HUIROJWHQ LP $XJXVW 'LH QÌFKVWHQ $EVFKOĞVVH VWHKHQ NXU] EHYRU 6R ZLOO GLH *HZHUNVFKDIW (U]LH- KXQJ XQG :LVVHQVFKDIW *(: GHQ %HVFKÌIWLJWHQ EHL IUHLHQ 7UÌJHUQ GHU .LQGHU XQG -XJHQGKLOIH XQG GHU :HLWHU- ELOGXQJ VRZLH DQ SULYDWHQ 6FKXOHQ XQG +RFKVFKXOHQ PLW GHQHQ VLH 7DULIYHUWUÌJH DEVFKOLHĕW GLH U%= ĞEHU GDV (QHUJLH 630 DQELHWHQ 0LW HLQHP $EVFKOXVV ZLUG ]XP -DKUHVHQGH JHUHFKQHW Lebenserwartung? 130 Jahre Ľ'DV +DXSWSUREOHP GHXWVFKHU 9RUVRU JHV\VWHPH XQG JHUDGH GHU E$9 LVW HV GDVV VLH PLW %ĞURNUDWLH XQG ĞEHUPÌĕLJHQ *DUDQWLHQ EHODVWHW VLQGĺ VDJW $OH[DQGHU 6LHJPXQG *HVFKÌIWVIĞKUHU GHV 0DNOHU- KDXVHV .303HQVLRQV %HQHljWV Ľ'DUXQ WHU OHLGHQ GLH $QODJHPĆJOLFKNHLWHQ GLH 5HQGLWH XQG GDPLW GLH VSÌWHUHQ $XV]DK- OXQJHQĺ (V EUDXFKH HLQHQ HFKWHQ 1HXVWDUW ]XU E$9 Ľ1LFKW QXU GHU 6WDDW PDFKW GLH E$9PLW VHLQHQ 9RUJDEHQ KÌXljJ XQDWWUDN- WLY VRQGHUQ DXFK GLH 9HUVLFKHUHU VHOEVW GLH EHLVSLHOVZHLVH GLH /HEHQVHUZDUWXQJ ]X KRFK NDONXOLHUHQ XQG .XQGHQ GDPLW YLHO *HOG NRVWHQĺ LVW 6LHJPXQG ĞEHU]HXJW (U NULWLVLHUW KRKH 6LFKHUKHLWV]XVFKOÌJH EHL GHU /HEHQVHUZDUWXQJ GLH WHLOV ELV RGHU -DKUH NDONXOLHUW ZLUG XQG GLH NRQVHU- YDWLYHQ 5HFKQXQJV]LQVHQ ,Q HLQHP HLJHQHQ 9RUVRUJHPRGHOO GDU- JHVWHOOW ĞEHU HLQH NRQJUXHQW UĞFNJHGHFNWH 8QWHUVWĞW]XQJVNDVVH EHLP 9HUVRUJXQJV- ZHUN GHU GHXWVFKHQ :LUWVFKDIW UHFKQHW .30PLW HLQHU UHDOLVWLVFKHQ /HEHQVHUZDU- WXQJ YRQ -DKUHQ Ľ'DV .DSLWDO PXVV QXU ELV GDKLQ UHLFKHQĺ VR GHU 6SH]LDO- PDNOHU GHU PLW HLQHU HLJHQHQ E$9/ĆVXQJ Ľ6PDUW 3HQVLRQĺ DXFK %HUXIVNROOHJHQ DQVSULFKW .30 XQWHUVWĞW]W 0DNOHU LP 9HUWULHE XQG HUKÌOW IĞU GLH 1XW]XQJ GHV .RQ]HSWV MH QDFK %HUDWXQJVDXIWHLOXQJ ]ZLVFKHQ XQG 3UR]HQW GHV 8PVDW- ]HV %HL 630 VLHKW 6LHJPXQG GDJHJHQ ĽNHLQH UHDOLVWLVFKH &KDQFH IĞU GLH %HUD- WXQJ GXUFK 0DNOHU VRQGHUQ HKHU VSH]LD- OLVLHUWH %HUDWHU GHU 6R]LDOSDUWQHU DP=XJĺ Förderung verbessert $QIDQJ 6HSWHPEHU KDW GLH 5HJLHUXQJ HLQHQ *HVHW]HQWZXUI ]XP %56* EHVFKORVVHQ GHU ELV 5HGDNWLRQVVFKOXVV QRFK QLFKW LP %XQGHVWDJ EHUDWHQ ZXUGH (UVWH 7HLOH GHV %56* VROOHQ PLW 1HX- MDKU LQ .UDIW WUHWHQ 8QDEKÌQJLJ GDYRQ NĆQQHQ 0DNOHU ZHLWHUKLQ PLW NODVVLVFKHU E$9 SXQNWHQ JHUDGH GXUFK GLH YHUEHVVHUWH *HULQJYHUGLHQHUIĆUGHUXQJ $XFK GLH NODVVLVFKHQ YHUVLFKHUXQJVIĆU- PLJHQ 'XUFKIĞKUXQJVZHJH ljQGHQ QDFK ZLH YRU $QNODQJ 6R VHW]HQ JURĕH 7HLOH GHV 0LWWHOVWDQGV ZHLWHU DXI GLH 'LUHNWYHU- VLFKHUXQJ ]XQHKPHQG LQ )RUP HLQHU EHL- WUDJVRULHQWLHUWHQ /HLVWXQJV]XVDJH %R/= EHVDJW GLH )RUVD 8PIUDJH Ľ%HWULHEOLFKH $OWHUVYHUVRUJXQJ LP 0LWWHOVWDQG ĺ $NWXHOO ELHWHQ 3UR]HQW HLQH 'LUHNWYHU- VLFKHUXQJ DQ ZREHL GLH %R/= JHJHQĞEHU GHU %HLWUDJV]XVDJH PLW 0LQGHVWOHLVWXQJ %=0/ PLW 3UR]HQW %HLWUDJVJDUDQWLH 3ijLFKW KÌXljJ QXU PLW ELV 3UR]HQW %HLWUDJVJDUDQWLH DXVJHVWDWWHW LVW Ľ(LQ QDFK ZLH YRU XQWHUVFKÌW]WHU :HWW- EHZHUEVYRUWHLO JHJHQĞEHU SULYDWHU 9RU- 290 fondsprofessionell.de 3/2025 FONDS & VERSICHERUNG Betriebsrente FOTO: © FABIAN TODE | KPM PENSIONS & BENEFITS » Die Vorsorgesysteme sind mit Bürokratie und übermäßigen Garantien belastet. « Alexander Siegmund, KPM

RkJQdWJsaXNoZXIy ODI5NTI=