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Die Generationenrente ab Geburt: Vorschlag für eine Altersarmut vermeidende ergänzende kapitalgedeckte Alterssicherung

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  • Maurer, Raimond
  • Schwintowski, Hans-Peter

Abstract

Der Koalitionsvertrag 2021 sieht eine generationengerechte Absicherung des Rentenniveaus durch eine teilweise aus Haushaltsmitteln finanzierte Kapitaldeckung vor. Um dieses Ziel zu verwirklichen, wird hier die Einführung einer Generationenrente ab Geburt vorgeschlagen. Dabei wird aus Haushaltsmitteln ein Betrag von € 5.000 für jedes Neugeborene nach Grundsätzen des professionellen Anlagemanagements am globalen Kapitalmarkt angelegt. Konzeptionell soll sich diese Generationenrente am Modell der Basisrente (§10 Abs. 1 Nr. 2 b EStG) orientieren, d.h. die akkumulierten Gelder sind weder beleihbar, vererbbar noch übertragbar und können frühestens ab Alter 63 zugunsten einer lebenslangen Monatsrente verwendet werden. Unsere Berechnungen zeigen, dass durch die hier vorgeschlagene Generationenrente unabhängig vom Verlauf der individuellen Erwerbsbiographie, Altersarmut für die vom demographischen Wandel besonders betroffenen zukünftigen Generationen vermieden wird.

Suggested Citation

  • Maurer, Raimond & Schwintowski, Hans-Peter, 2022. "Die Generationenrente ab Geburt: Vorschlag für eine Altersarmut vermeidende ergänzende kapitalgedeckte Alterssicherung," SAFE White Paper Series 90, Leibniz Institute for Financial Research SAFE.
    • Handle: RePEc:zbw:safewh:90
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