03/18/2016

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Social Science Institute Constantly the unselected Black Yellow Government suggests us, poor and rich people would move closer together. St. Gallen, 21.11.2013. But can lie two independent studies by renowned research institutes? Institute for economic research (DIW) and the economic and Social Science Institute (WSI) studies the German namely, that the gap between high and low incomes in Germany remains high. This expert statements contradict the controversial poverty and wealth report of the Black Yellow Government from the spring. The Ministry of labour had still expressed early March: "The inequality of income declines currently." According to the findings of the DIW researchers Markus Grabka and Jan Gobel this official finding is no longer true. Although the differences in income due to lower unemployment had gone back since 2005. This trend "has not continued but last - in 2011 -", they say in their study. The DIW is the inequality Household income remains "at a high level". The highest household income had grown in the top tenth on the scale of distribution from 2000 to 2011 by 13 percent. Below, in the fourth quarter until first decile they went back, however, by up to five percent. The scientists also concluded that people increasingly difficult have to ascend upwards in the income hierarchy. The chance to escape, within a quarter from the risk of poverty had decreased in recent years by ten percentage points to 46 percent. For the wealthy, however, reduces the risk have, to be poorer. This group apparently increased benefits of growing interest, dividends and gains of their landscaped capital. The distance between high and low wages has increased again since 2008. Despite the recent increase in wages, low average wages had not yet caught up since the beginning of the new millennium. That meet above all workers involved in the services...
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Germans Age They say: there is not too much optimism. St. Gallen, 18.11.2013. When it comes to retirement savings, Germans feel but apparently too well prepared and a portion of critical examination of this topic did quite well. A survey conducted by Black Rock among 2000 people shows: the discrepancy between self-perception and reality in terms of poverty in old age is too high. Shockingly few people at all of them feel affected. With a capital of 182 659 euros initially, the Germans hope a year income at the age of 43 989 euros. Sounds it is also unrealistic. "So little money would be so easily spent that way too much life" remains. This Bill won't open so. But how high should the capital be actually to achieve the desired income for a long time? It is true that the initial capital will be five times higher than citizens of respondents. It would be a total amount of over one million euros. The fact that 54 percent of people consider themselves informed good is fatal. More than half think they know much about saving and creating. 68 Percent expressed satisfaction, to make their own investment decisions. In any other country, people are so optimistic as in Germany. Most Germans, for example, waive financial advisors. According to the survey, this group holds two-thirds of their liquid assets in cash, which yield only a mini. With this behavior, we are Europe quite unique", says Michael Oehme, consultant at the CapitalPR AG. Experts recommend not in vain, to think about investment alternatives with higher yield potential. Finally, the money for the whole life should extend. If you look at the data, you can see how desperately we need German education in financial matters. First of all, poverty in old age affects everybody. Experts even fear...