Schlagwort: Governance

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关于德国政府的早期退休金计划，德意志财富教育与养老保障研究所（DIVA）在法兰克福提出了重要的改进建议。根据联合政府协议，该计划预计将在2026年实施，目标是在年初尽快推出。该政策旨在为每个6至18岁的儿童每月存入10欧元到个人资本积累养老金账户，这些资金将通过股票、股票基金或其他证券进行投资，以便为未来的养老金打下基础。 DIVA在今年夏季进行了一项代表性调查，以了解公众对早期退休金概念的看法，并基于此发布了《早期退休金十条建议》。以下是这些建议： 早期退休金是一项积极措施，获得了广泛支持。 国家每月提供10欧元补贴应附加条件，即父母至少也要贡献同样金额，而公众对此持高度接受态度。 应允许家长通过一次性付款增加储蓄金额，这将显著提升未来养老金的总额。 补助应持续到孩子完成学业，至少延续至18岁。 除了股票基金外，还应允许灵活投资，包括传统和基金型养老保险以及住房储蓄合同等选项。 一旦国家资助结束，早期退休金需具备衔接能力，有可能与改革后的Riester养老金整合成统一支持系统。 该计划并不能解决德国现行养老体系面临的紧迫问题，不应成为推迟必要改革的政治借口。 优先顺序需要明确：首先改革Riester，然后再推进早期退休金计划。 目前来看，该方案只是对养老保障的一种微小补充，需要进一步发展以满足需求。 如果设计得当，每月额外收入有潜力达到数百欧元，这其中蕴藏着巨大的机会和潜力。 DIVA网站上发布了更详细版本的十条建议：www.diva.de "2025年早起退休调查"由INSA-CONSULERE受DIVA委托，与德国企业财务咨询协会（DUV）合作开展。在这次代表性的在线调查中，共有1000名德国居民参与，数据收集于2025年5月中旬。所有结果均可在DIVA网站上查阅。 请关注我们的LinkedIn频道以获取最新信息。 DIVA 德国财富教育与养老保障研究所 DIVA位于法兰克福，是经济大学附属机构，其使命是针对金融消费者问题进行舆论研究，由四个知名代理商协会共同支持：联邦金融服务协会AfW、VOTUM、德国财富顾问联合会（BDV）及保险管理人员联合会VGA。目前由FHDW教授Michael Heuser担任科学主任. DUV ...

DIVA schlägt grundsätzliche Verbesserungen vor Obligatorische Eigenbeiträge der Eltern vorsehen Geldanlage nicht nur im Depot, sondern flexible Altersabsicherung zulassen Anschlussfähigkeit ...

In den letzten Monaten war die Debatte über Wärmepumpen von vielen Emotionen und politischen Auseinandersetzungen geprägt. Burkhard Max, Geschäftsführer der ...

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Der Kinderhandel nimmt weltweit dramatisch zu und gehört zu den schlimmsten Formen von Gewalt gegen Kinder. Laut dem aktuellen "Global ...