Warum betriebliche Altersvorsorge besser ohne Versicherung erfolgen sollte

[{"selector":"#anim-8ea79d41-d48b-4470-baf2-680cab60d4b6","keyframes":[{"transform":"scale(1)","offset":0},{"transform":"scale(1.05)","offset":0.330000000000000015543122344752191565930843353271484375},{"transform":"scale(0.995)","offset":0.66000000000000003108624468950438313186168670654296875},{"transform":"scale(1)","offset":1}],"delay":0,"duration":600,"easing":"ease-in-out","fill":"both","iterations":3}] Warum betriebliche Altersvorsorge besser ohne Versicherung erfolgen sollte

[{"selector":"#anim-bac0cbcb-b990-42ee-a7f9-496f6842462f","keyframes":[{"transform":"scale(1)","offset":0},{"transform":"scale(1.05)","offset":0.330000000000000015543122344752191565930843353271484375},{"transform":"scale(0.995)","offset":0.66000000000000003108624468950438313186168670654296875},{"transform":"scale(1)","offset":1}],"delay":0,"duration":600,"easing":"ease-in-out","fill":"both","iterations":3}] [{"selector":"#anim-f983c5bf-5b38-47bd-b166-ede2c0460518","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7d2a6eac-2332-4e48-92b0-8f3d5825ae2a","keyframes":{"transform":["translate3d(0px, 325.53709%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-eeb6f98f-3f72-40ec-844a-12524cece073","keyframes":{"opacity":[0,1]},"delay":1100,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-21e50c13-85e7-47ad-b86f-2ac583d8faa9","keyframes":{"transform":["translate3d(0px, 632.09903%, 0)","translate3d(0px, 0px, 0)"]},"delay":1100,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] DIE Gründe dafür sind vielfältig Warum betriebliche Altersvorsorge besser ohne Versicherung erfolgen sollte?

[{"selector":"#anim-c2d10de0-858c-41cf-8e1b-cb800bf36059","keyframes":[{"transform":"scale(1)","offset":0},{"transform":"scale(1.05)","offset":0.330000000000000015543122344752191565930843353271484375},{"transform":"scale(0.995)","offset":0.66000000000000003108624468950438313186168670654296875},{"transform":"scale(1)","offset":1}],"delay":0,"duration":600,"easing":"ease-in-out","fill":"both","iterations":3}] [{"selector":"#anim-9d81fed2-7514-4ce8-9256-c6e9e5ffff8b","keyframes":{"opacity":[0,1]},"delay":900,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ec8d8f44-e19d-4a28-a854-9e5e492072e4","keyframes":{"transform":["translate3d(116.07717%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":900,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ac8d4800-01f7-4e77-98a6-39f4fb021de8","keyframes":{"opacity":[0,1]},"delay":1000,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-28842300-80af-4edc-a666-1f1f5684a34c","keyframes":{"transform":["translate3d(130.79711%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":1000,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] 1 FALSCHE ANSPRECH-PARTNER Versicherungsmakler und Versicherungsvertreter sind nicht die richtigen Berater für anspruchsvolle arbeitsrechtliche und betriebswirtschaftliche Themen.

[{"selector":"#anim-72054a7f-00d7-4e95-b8e5-8af2eff0e395","keyframes":[{"transform":"scale(1)","offset":0},{"transform":"scale(1.05)","offset":0.330000000000000015543122344752191565930843353271484375},{"transform":"scale(0.995)","offset":0.66000000000000003108624468950438313186168670654296875},{"transform":"scale(1)","offset":1}],"delay":0,"duration":600,"easing":"ease-in-out","fill":"both","iterations":3}] [{"selector":"#anim-1519b11e-efa6-48a9-ae47-2aaf47c76571","keyframes":{"opacity":[0,1]},"delay":0,"duration":3000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-591a1a43-7cd6-4c5c-a2cb-76befc35197f","keyframes":{"opacity":[0,1]},"delay":0,"duration":3000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-14cca3ed-1215-424e-82aa-ec5f2c55567b","keyframes":{"opacity":[0,1]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d6923ec7-753b-41c3-a96d-cb6d5ac21435","keyframes":{"transform":["translate3d(-115.43409%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ea26003e-c3a2-4fec-9c0c-894c701ed837","keyframes":{"opacity":[0,1]},"delay":900,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e7ca283b-7075-441c-b26b-53dacf85ad18","keyframes":{"transform":["translate3d(-116.33987%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":900,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] KEINE BEITRAGS-GARANTIE Versicherungen sind derzeit nicht einmal mehr in der Lage die Rückzahlung der eingezahlten Beiträge zu garantieren. Die Beitragsgarantie wurde bereits aufgegeben. 2 MEHR ERFAHREN

[{"selector":"#anim-0977ad00-4b7f-4935-9207-63aee8aa772c","keyframes":[{"transform":"scale(1)","offset":0},{"transform":"scale(1.05)","offset":0.330000000000000015543122344752191565930843353271484375},{"transform":"scale(0.995)","offset":0.66000000000000003108624468950438313186168670654296875},{"transform":"scale(1)","offset":1}],"delay":0,"duration":600,"easing":"ease-in-out","fill":"both","iterations":3}] [{"selector":"#anim-362d4f90-b76d-457c-a985-9348a9a55a7c","keyframes":{"opacity":[0,1]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d554050b-3d6b-416b-900b-d9683d146122","keyframes":{"transform":["translate3d(-114.14791%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b3d1e8b1-7b02-47b0-92f1-9bf20a8e4f40","keyframes":{"opacity":[0,1]},"delay":900,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c370c0c0-9081-4e4b-af54-9df33ab33c9e","keyframes":{"transform":["translate3d(-116.33987%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":900,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c8ff2d33-f6af-4812-bad4-efad0f7b3e09","keyframes":{"opacity":[0,1]},"delay":0,"duration":3000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1d9100b2-c0e5-4fe0-9b9e-cf81000ef698","keyframes":{"opacity":[0,1]},"delay":0,"duration":3000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] ZU VIELE RISIKEN. Biometrische Risiken in der bAV wie Berufsunfähigkeit sind nicht nur unnötig, sondern führen zum Teil auch zu erheblichen Arbeitgeberrisiken und Haftungsproblemen. 3 MEHR ERFAHREN

[{"selector":"#anim-4f0d2d3f-4828-494c-84b8-2607c15e3d1f","keyframes":[{"transform":"scale(1)","offset":0},{"transform":"scale(1.05)","offset":0.330000000000000015543122344752191565930843353271484375},{"transform":"scale(0.995)","offset":0.66000000000000003108624468950438313186168670654296875},{"transform":"scale(1)","offset":1}],"delay":0,"duration":600,"easing":"ease-in-out","fill":"both","iterations":3}] [{"selector":"#anim-c0935110-a8fa-4fbd-ba36-9ac45960facc","keyframes":{"opacity":[0,1]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2a2b9f81-4f87-44f8-9942-ac46f1bd51eb","keyframes":{"transform":["translate3d(-113.82636%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f04a17ac-8cd9-449c-b103-ebf55ade26f8","keyframes":{"opacity":[0,1]},"delay":900,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-57a01d0d-1deb-4d72-85ac-07b0072b2743","keyframes":{"transform":["translate3d(-115.35948%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":900,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] HOHE KOSTEN Hohe Abschlusskosten und Verwaltungskosten in Versicherungsprodukten machen das System weitgehend uninteressant für Arbeitnehmer. Ein 15 % Pflichtzuschuss gleicht das Problem nur unzureichend aus und frustriert Arbeitgeber und Arbeitnehmer. Versicherungen werden dadurch kaum attraktiver 4

[{"selector":"#anim-759470a1-f0b9-4d9b-8107-8c45c5ebbfea","keyframes":[{"transform":"scale(1)","offset":0},{"transform":"scale(1.05)","offset":0.330000000000000015543122344752191565930843353271484375},{"transform":"scale(0.995)","offset":0.66000000000000003108624468950438313186168670654296875},{"transform":"scale(1)","offset":1}],"delay":0,"duration":600,"easing":"ease-in-out","fill":"both","iterations":3}] [{"selector":"#anim-e71b8334-1c4a-4028-a8a3-b93776688fad","keyframes":{"opacity":[0,1]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1c84030b-3267-4f08-8f7c-fec991156264","keyframes":{"transform":["translate3d(-115.11254%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":800,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a806f0f4-3ad4-452f-a07c-b88539fd3543","keyframes":{"opacity":[0,1]},"delay":900,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fa4a9b0f-9b75-4637-8a35-08356f0b400e","keyframes":{"transform":["translate3d(-115.35948%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":900,"duration":900,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] UNERREICHBARES DURCH-SCHNITTS-ALTER Rentenberechnungen mit einem angenommenen Durchschnittsalter von über 110 Jahren sind eine Wette, die der Arbeitnehmer kaum gewinnt und sicher Geld verliert. 5

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[{"selector":"#anim-a6bf944c-9709-4ab1-94ff-45f44bc64406","keyframes":{"opacity":[0,1]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-53ee9416-ef4d-4da2-966f-6aef82d02b99","keyframes":{"transform":["translate3d(0px, 614.55900%, 0)","translate3d(0px, 0px, 0)"]},"delay":1200,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8aff9dab-85e7-4d9a-bc69-75222c0b2d93","keyframes":{"opacity":[0,1]},"delay":600,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-95547927-c6c7-498e-8684-94ae44078467","keyframes":{"transform":["translate3d(0px, 177.55820%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":800,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] “ Betriebliche Altersversorgung ohne Versicherung bringt sowohl Arbeitnehmern als auch Arbeitgebern Vorteile. ” MANFRED BAIER Wirtschaftsprüfer und Steuerberater

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