Positionen zur Reform der Alterssicherung in Deutschland | Upvest
Germany’s retirement system needs reform. We believe that strongly enough to put our name to it. Upvest is working alongside ginkgo , lemon.markets , Raisin , Smartbroker AG , and Vanguard to improve the conditions for fair, cost-efficient, and capital market-oriented retirement products in Germany. Today, we published our position paper. Our proposal spans all three pillars of the German pension system, from introducing partial capital funding within the state pension, to a fundamental reform of occupational pensions, to making financial education a national priority. The thread running through all of it is one we feel strongly about: retirement savings belong in the capital markets. The evidence is clear that long-term, diversified investment in equities delivers returns that pay-as-you-go systems simply cannot match. The Altersvorsorgedepot is one concrete step forward. It gives German savers a modern, cost-transparent, capital market-based savings vehicle for the first time. But it is one piece of a larger puzzle, and the structural reforms needed to make occupational and state pensions work better for millions of people require political will at scale. Read our full position paper here: 👉 https://lnkd.in/dyiVQD25