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Rezensionen zu:
Sprenger Gebiss
Datum: Freitag, 03. Juli 2015
Autor: Gast
Rezension:
I chose a defined cootnibutirn plan in a similar situation over 20 years ago. At the time, I didn\'t want to lock myself into a job that I might not like. Now that I\'ve stayed, it looks like a very bad decision especially if I compare life annunities from the defined cootnibutirn assets assuming the low payout rates on offer today with the traditional pension payouts. Hopefully, the payout rates will improve before I need to annuitize. In our plan, you have to annuitize some of your assets to qualify for retirement health benefits. Overall, the defined benefit vs defined cootnibutirn choice was much more complicated than I had anticipated 20+ years ago. I\'d never contemplated the possibility of extended periods of low interest rates at retirement and how that would impact the accumulations needed to generate an income stream.As to the advice to choose actively managed funds if the market becomes dominated by passive players, pricing can become so distorted that you don\'t really have a market. I used to invest retirement accumulations in passive indexes but finally realized that supplying dumb money into the equity markets just contributed to the wealth of the smart players. Hard to complain about billionaire financiers when we let index funds hand them our money. You don\'t do any better with active funds for the reasons you mention. Guess I\'m just unwilling to do the work needed to feel comfortable investing in equities or mutual funds. Equities are incredibly weak claims to be funding base-level retirements. Just look at Japan.
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