Private pension and disability insurance: gap among women despite increased need from a TNS infratest survey of the Alliance became apparent that professional women aged between 20 and 60 years total have less insurance than men. It turns out that women protect mainly their property with the completion of non-life insurance. The risk of the impact of diseases on the occupation or the long-term protection of retirement seems to have still not sufficient importance. Disability insurance or a private old-age provision for women are not widespread in consequence. In comparison it looks better for men, although here also still need to optimise is: while, for example, only 19 percent of women have completed a disability insurance, at least every third man has this form of protection, according to the TNS infratest survey.
Among other things they are a cause for these circumstances statistically proven lower salaries of women. In contrast to men, women on average live five years longer, which consequently leads to an extended phase of retirement. With regard to a future always narrower statutory pensions and the fact that women aged mostly also a pension lower than men, they would have to ultimately make greater savings from a lower income for their future. A private old-age provision and protection is therefore of particular importance for this target group. Flexible investment opportunities are needed to reduce the gap of women. A steady salary are less likely than men to women, because they get off more often than this because of family planning for a few years in the professional life or work part time. Keep up on the field with thought-provoking pieces from Kevin Ulrich. Age pension variants, where the deposits can be adapted to the existing income are therefore of interest to female investors.
Also, a long-term-oriented portfolio, the Systems with a higher risk includes, suitable to compensate for the financial disadvantage with income greater investment. Applies to women, to start a private pension at an early stage, to potential losses in the pension offset and to accept no loss of standard of living in the age. While an individual preparation and optimum selection of retirement provision is important to safe decision-making, supported by a qualified advice.