{"id":16616,"date":"2017-07-04T13:30:40","date_gmt":"2017-07-04T11:30:40","guid":{"rendered":"https:\/\/hub.hslu.ch\/ifz\/?p=16616"},"modified":"2026-02-11T14:52:40","modified_gmt":"2026-02-11T13:52:40","slug":"prof-dr-yvonne-seiler-zimmermann-die-kapitalgedeckte-vorsorge-im-tiefzinsumfeld","status":"publish","type":"post","link":"https:\/\/hub.hslu.ch\/ifz\/2017\/07\/04\/prof-dr-yvonne-seiler-zimmermann-die-kapitalgedeckte-vorsorge-im-tiefzinsumfeld\/","title":{"rendered":"Prof. Dr. Yvonne Seiler Zimmermann: Die kapitalgedeckte Vorsorge im Tiefzinsumfeld"},"content":{"rendered":"\n<p>von&nbsp;<a href=\"https:\/\/www.hslu.ch\/de-ch\/hochschule-luzern\/ueber-uns\/personensuche\/profile\/?pid=739\" target=\"_blank\" rel=\"noreferrer noopener\">Prof. Dr. Yvonne Seiler Zimmermann<\/a>,&nbsp;Projektleiterin und Dozentin im <a href=\"https:\/\/www.hslu.ch\/de-ch\/wirtschaft\/institute\/ifz\/?sourceurl=\/ifz\" target=\"_blank\" rel=\"noreferrer noopener\">Institut f\u00fcr Finanzdienstleistungen Zug IFZ&nbsp;<\/a><\/p>\n\n\n\n\n\n<p><a href=\"https:\/\/hub.hslu.ch\/ifz\/wp-content\/blogs.dir\/165\/files\/sites\/6\/2017\/06\/Seiler-Zimmermann-Yvonne_Zimmermann-Heinz_Die-kapitalgedeckte-Vorsorge-im-Tiefzinsumfeld_Volkswirtschaft_Juli_2017.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Hier<\/a> geht&#8217;s&nbsp;zum&nbsp;ausf\u00fchrlichen Artikel, der am 22. Juni&nbsp;2017 im Wirtschaftsmagazin&nbsp;\u00abDie Volkswirtschaft\u00bb erschienen ist.<\/p>\n\n\n\n<p>Am <strong>4. September 2017<\/strong> findet zum Lehrgang <a href=\"https:\/\/www.hslu.ch\/de-ch\/wirtschaft\/weiterbildung\/mas\/ifz\/pensionskassen-management\/\" target=\"_blank\" rel=\"noreferrer noopener\">MAS\/DAS Pensionskassen Management <\/a>eine Info-Veranstaltung statt &#8211; mehr Informationen&nbsp;auf unserer <a href=\"https:\/\/www.hslu.ch\/de-ch\/wirtschaft\/agenda\/veranstaltungen\/2017\/09\/04\/info-veranstaltung-mas-das-pensionskassen-management\/\" target=\"_blank\" rel=\"noreferrer noopener\">Website<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Die aktuellen Zinsen f\u00fcr risikolose Anlagen bewegen sich nahe bei null. Das stellt das berufliche Vorsorgesystem vor grosse Herausforderungen. Denn die garantierten Leistungen werden aus Vorschriften abgeleitet, die die Realit\u00e4t der Kapitalm\u00e4rkte nicht korrekt abbilden. Die goldene Regel besagt, dass die Renten nicht mehr gesichert sind, wenn die risikolos erzielbaren Renditen unter dem Nominallohnwachstum liegen. Das ist heute der Fall. Momentan kann die Rentensicherheit nur durch Umverteilung auf die n\u00e4chsten Generationen erreicht werden. Um diese Umverteilung zu stoppen, braucht es eine Entkoppelung von sozialpolitischen Mindestleistungen und kapitalgedecktem Vorsorgesparen.<\/p>\n","protected":false},"author":257,"featured_media":16665,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[406,854975,3619,134],"tags":[],"class_list":["post-16616","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemeines","category-ifz-in-den-medien","category-pensionskassen-management","category-weiterbildung"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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