I was just reading the term "pension gap" again and I wondered what that could be.
What do you think that's called in American?
What is a pension gap?
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Hello, should I travel around the world?
I have worked enough and today I have checked out my citizen's allowance and unemployment benefit. I am earning enough to live on. I want to travel for a year.
How does one move to a new apartment in a new federal state using citizen's income?
Has anyone already had this experience? What do you need to bring along and how do you do it step by step?
How much pension do you get if you have only worked for 30 years?
Please only answer if you know what you are talking about.
Citizen's allowance – 20 and with my mother in a "needs community" (actually homeless), how do I cancel this?
Hello everyone.. The day after Christmas, my mother kicked me out, saying, "It's not my fault that you sold yourself online at 12. That's entirely your fault," and "If you don't leave, I'll kill myself!" I hope I don't need to explain any more than that…the situation is difficult. I'm now back at home, as…
Pension?
If you have worked for 49 years, how high could your pension be in mechanical engineering?
Die Rentenlücke ist das was sich ergibt, wenn immer mehr Leute für immer längere Zeit eine Rente beziehen und auf der anderen Seite immer weniger in das System einzahlen und man am System trotzdem nichts verändern will bzw. nur zu Lasten der Einzahler verändern will.
Folgende Hebel gibt es:
Rentenniveau
Renteneintrittsalter
Beitragssatz der Einzahler
Andere Geldquellen anzapfen wie z. B. den Kapitalmark.
Wenn weiterhin nichts getan wird, entgehen dem Land nicht bloß viele Fachkräfte (weil sie eben in Rente sind statt zu arbeiten). Die Rentenlücke wird weiterhin größer und die Jungen zahlen in 10-20 Jahren die Hälfte ihres Einkommens als Sozialabgaben und und der Steuerzahler zahlt den Rentner noch mehr als heute schon.
Das Thema ist seit 40 Jahren bekannt und wird mit wenigen Ausnahmen von allen Politikern totgeschwiegen, weil keiner der sein will, der die unangenehme Wahrheit ausspricht. Z. B Schweden hatte es früh erkannt und entsprechend sein System geändert und steht heute besten da.
Ich stimme dir bei allem zu, was du schreibst, aber die Rentenlücke bezeichnet tatsächlich erstmal nur die Differenz zwischen dem Gehalt (beziehungsweise deinen Ausgaben) und der Rente.
Wenn du zum 67. Lebensjahr 3.000€ netto verdient hast und deine Rente anschließend nur 2.000€ beträgt, ist deine Rentenlücke die Differenz von 1.000€.
Du musst in diesem Fall also höchstwahrscheinlich deinen Lebensstandard in der Rente reduzieren.
Vielen Dank. Das wusste ich tatsächlich nicht. Wieder was gelernt 🙂.
Rentenlücke, auch Versorgungslücke genannt, ist das Geld, was Dir im Ruhestand fehlt. Es gibt da ein paar Webseiten, die das berechnen.
Sie ergibt sich aus der Differenz zwischen haben wollen und bekommen…
The “pension gap” is the difference between wages/income and the expected pension.
With a pension level currently at 48%, it is logical that one cannot maintain one's standard of living with the statutory pension alone.
Individual pension levels naturally differ from this average (ratio of the standard pension after 45 years of work to the average income before tax), as the amount of the pension depends on many factors. Nevertheless, almost everyone has a "pension gap" in old age.
To close this "pension gap," you need to start making private provisions as early as possible. There are many options for this (deferred compensation, ETFs, stocks, home ownership, etc.).
Wenn du eine Zeitlang nicht gearbeitet hast und nicht versichert warst
Sowas nennt man Ausfallzeitraum…
This is the financial gap between your salary and your pension. If you can close it, you can maintain your standard of living in retirement.
So is this just scaremongering with a fictitious problem??
Strange, what does this "demand" have to do with the question? It's a perfectly normal word, and that was the perfectly normal explanation. Why are you panicking and pretending to be against scaremongering? How do you come to the conclusion that this is a fictitious problem when you don't even know the term "pension gap"? Cooooomish, what does gf.net gain from constantly accepting such bullshit?
No, this is actually a very serious problem.
It's truly shameful that the FDP is the only party to even begin to address this in its platform. Yet pensions are already by far the largest expenditure item in the tax-financed federal budget – far ahead of the citizen's income or the benefits under the Asylum Seekers Benefits Act. And this despite the fact that the pension system should actually be self-supporting without subsidies. And it's been clear for 30 years that things will get even worse. But politicians don't care.
Therefore: make sure you make additional private provisions!
The question was clear—and it's perfectly legitimate. At least I'm not asking who you're voting for or anything else dick-related.
Eben, du hast eigentlich gar keine Frage, sondern wolltest einfach nur ungefragt irgendwas erzählen (nur echt mit doppelten Fragezeichen). Ich verstehe das nicht.
I have a "pension gap," and if you've been reading along, you've seen that this isn't clear to everyone, and that's exactly what GF and others are getting out of it. I'm not panicking, as you might have noticed, and when I say "fictitious problem," I mean that the gap between a decent income and a retirement pension is, under normal circumstances, an individual problem. For a country with a broad low-wage segment and many broken employment histories, this is of course a problem because it leads to increased social spending. But this is a systematic problem and not really a "pension gap"—that falls more into the category of Riester fraud.