Die Erwerbstätigen in Deutschland genießen viele Vorteile, die ihnen das Sparen für einen komfortablen Ruhestand erleichtern. Dennoch gilt es noch viele Herausforderungen zu meistern bis jeder in der Lage ist, sich finanziell adäquat auf den Ruhestand vorzubereiten. Bei über zwei Fünftel (42%) der Erwerbstätigen ab 50 Jahre besteht die Gefahr, dass sie unzureichend auf den Ruhestand vorbereitet sind.
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Für die Aegon Ruhestandsstudie 2015 wurden 16.000 Erwerbstätige und Rentner in 15 Ländern, darunter 1.000 aus Deutschland, befragt. Mit einem seit dem Vorjahr unveränderten Wert von 6,1 (von 10) belegt Deutschland weiterhin Platz 5 im weltweiten Vergleich.
Die Deutschen sehen ihrem Ruhestand mehrheitlich positiv entgegen. Hinsichtlich der Finanzierung dieser Zeit sind sie jedoch nicht so optimistisch. Gerade einmal 15% der Erwerbstätigen sind sehr oder äußerst zuversichtlich, im Ruhestand ein nach eigenen Maßstäben komfortables Leben führen zu können.
Fast die Hälfte aller Befragten (43%) ist nicht genau über ihr zukünftiges Einkommen im Ruhestand informiert. Bei über 42% der Erwerbstätigen ab 50 Jahre besteht die Gefahr, dass sie unzureichend auf die Zeit nach dem Erwerbsleben vorbereitet sind.
Die staatliche Rente und Unterstützung ist das gängigste Altersvorsorgeinstrument. Erwerbstätige tendieren in hohem Maße zu einer Form von Rentenzahlung, die eine regelmäßige Einkommensquelle darstellt.
The findings in this report are based on the responses of 14,400 employees and 1,600 fully retired people in 15 countries: Australia, Brazil, Canada, China, France, Germany, Hungary, India, Japan, the Netherlands, Poland, Spain, Turkey, the United Kingdom and the United States. Interviews were conducted online between 6th and 23rd February 2015.
The sense of retirement readiness is greatest in emerging markets where real incomes have been growing fastest in recent decades. People in these countries also benefit from high interest rate environments, boosting the value of their savings and creating a sense of readiness.
Among the industrialized countries, the sense of retirement readiness is greatest where workplace retirement plan arrangements are well established. This includes Australia, Canada, Germany, the Netherlands, the U.S. and the U.K. Japan is an outlier where people are less likely to feel retirement ready, perhaps reflecting the country's zero interest rate environment and retirement reforms over recent years.
In countries where government retirement benefits are expected to make up a large part of retirement incomes, people generally feel less prepared, reflecting concerns about those systems' sustainability and future reforms that may lead to a reduction in the level of entitlements. Today's working age population is already calculating that future social security pay-outs will be less generous.
Any financial reliance on a spouse or partner brings risks since a partner's or spouse's income may become unavailable. A homemaker's income may not be adequate to independently support themselves or their families. Homemakers must become aware of these risks; furthermore these risks should be addressed in financial and retirement plans.
Chart 4: Homemakers typically contribute less than one-fifth of their household's total income
Chart 6 - Homemakers place greater financial reliance on their spouse/partner for retirement
Over one-third (36%) of habitual savers achieved a high index score of 8 to 10. This compares with just 3% of those who hold aspirations to save. So just putting something aside for their retirement on a monthly basis will make a difference to a person's confidence in his/her retirement readiness.
Adopting this simple savings behaviour is also a realistic aspiration for most individuals. The profile of the habitual saver reveals that this group is not ultra wealthy. In fact, they earn on average around $41,000 annually (equalling $29,000 in emerging markets), which is not much higher than the typical annual salary in most countries surveyed.
Lower earnings, more time out of the workforce (caring for children or other family members), and working part-time remain the key factors affecting women's savings power and retirement readiness. Fifty-seven percent of women achieved a low Index score (less than 6), compared with just 47% of men, who are more likely to be found in the medium and high scoring groups.
This might be expected to some degree – building a retirement plan takes time, so we would expect those nearing retirement to feel more prepared for it. Younger people also have to contend with other priorities, such repaying student loans or saving to buy a house. What is most concerning is that we don't see any change in retirement readiness among those younger age groups.
It is not until we look at those in their mid-40s that readiness improves. The number of people continually scoring low on the ARRI remains persistently high (between 56% and 59%) among those aged between 18 and 44.
This highlights the need to get people saving consistently, and from a far younger age to enable them to have a sufficiently long time horizon to build their retirement savings. However, it is never too late to start saving, and developing a plan for retirement will help.
The findings in this report are based on the responses of 14,400 employees and 1,600 homemakers, 100 in each country and 200 in China. The study was conducted across 15 countries: Australia, Brazil, Canada, China, France, Germany, Hungary, India, Japan, the Netherlands, Poland, Spain, Turkey, the United Kingdom and the United States. Interviews were conducted online in February 2015.
Globally, 86% of homemakers are women. Germany has one of the highest amounts of male homemakers with 25%. Almost nine-in-ten (88%) of homemakers are married, cohabiting or in a civil partnership; the majority are between 18 and 44. Homemakers financially rely on their spouse or partner.
Homemakers are overwhelmingly women
Homemakers will very likely continue to be dependent on their spouses/partners when it comes to retirement, thereby posing considerable risks , e. g. the financial consequences in the event of job loss, divorce or the untimely passing of the spouse or partner. Consequently, homemakers are less optimistic about retirement compared to workers and retirees. Negative words including „insecurity", „poverty" and „ill health" are more likely to be associated with retirement by homemakers. 48% of homemakers are not confident that they will be able to retire in a lifestyle they would describe as comfortable.
Associations with retirement
Homemakers typically contribute less than one-fifth of their household's total income
Homemakers place greater financial reliance on their spouse/partner for retirement
Most homemakers are not ready for retirement. Globally, two-thirds (67%) of homemakers achieved a low score in the Aegon Retirement Readiness Index. German homemakers achieved a total of 5,06 points on the ARRI scale which is only slightly above the global result of 4,97.
46% of homemakers don't know if they are on course to achieve the income they think they will need in retirement. Nearly two-thirds (65%) of homemakers believe that their spouse or partner's income will be „very" or „extremely" important to them in retirement, compared to 41% of workers.
Fewer than half of homemakers are saving for retirement (47 percent globally). Compared to workers, the sense of personal responsibility for retirement is lower among homemakers.
More than half (51%) of homemakers have no retirement strategy - written or unwritten - and less than one-fourth have a backup plan.
Homemakers generally work outside the traditional labour market or in part-time and lower paid jobs. Therefore they typically cannot participate in workplace retirement programs which provide one of the most common ways for people to save for retirement.
Homemakers who are employed part-time often find themselves without access to employer-sponsored retirement benefits, such as defined contribution or defined benefit pension plans, that are also typically accompanied by educational tools and planning resources.
Due to the missing access to retirement programs homemakers have to find ways to plan and prepare for retirement themselves.
Homemakers find themselves in a much lower state of retirement readiness
The majority of homemakers (86%) are women. It is a fact that women have a longer life expectancy than men. Therefore there is a greater chance that a female homemaker will live in poverty in retirement than other demographic groups. Therefore, adequately saving and planning is a necessity to prepare for retirement.
Homemakers are less likely to be saving for retirement
Homemakers financially rely on their partners now and through retirement
© Aegon 2017
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