Deutsche Übersetzung von "retirement home" | Der offizielle Collins Englisch- Deutsch Wörterbuch online. Über Deutsche Übersetzungen von. Viele übersetzte Beispielsätze mit "retirement" – Deutsch-Englisch Wörterbuch und Suchmaschine für Millionen von Deutsch-Übersetzungen. Übersetzung für 'retirement' im kostenlosen Englisch-Deutsch Wörterbuch von LANGENSCHEIDT – mit Beispielen, Synonymen und Aussprache. English People are moving across borders to take up jobs, some people are retiring to other areas and an increasing number of people are working for periods in other Member States. Ruhestand masculine Maskulinum m retirement. Und jetzt können Sie sich auf Ihren Ruhestand freuen. We are using the following form field to detect spammers. Britisches Englisch Amerikanisches Englisch retirement of a civil servant. Niemand im Unternehmen darf Mitarbeiter diskriminieren. Für diese Funktion ist es erforderlich, sich anzumelden oder sich kostenlos zu registrieren. Wozu möchten Sie uns Feedback geben? Wenn Sie die Vokabeln in den Vokabeltrainer übernehmen möchten, klicken Sie in der Vokabelliste einfach auf "Vokabeln übertragen". Petri s work in contained in a laudatio, which was hold due to Petri s retirement. Dabei geht es vor allem um professionell übersetzte Webseiten von Unternehmen und wissenschaftlichen Einrichtungen. Upon retirement , he moved with his wife from Geneva to Jamaica, where they both taught theology at the University of Kingston. Display Keywords air arbre attractive background beautiful beauty blue child couple ecology elderly family father female fresh generation grandfather grandmother grandparent green group happiness happy health holiday leisure lifestyle love male man mature model mother natural nature old outdoors people portrait retired retirement security senior sitting sky smile smiling time together vacation white woman young youth See all keywords Launch search de. Anmeldung und Nutzung des Forums sind kostenlos.
deutsch retirement - notCh'in Hsiao-yi took over as Director of the Museum until his retirement in Um eine neue Diskussion zu starten, müssen Sie angemeldet sein. Allgemein to retire auch: Die gesammelten Vokabeln werden unter "Vokabelliste" angezeigt. Besonders stolz ist er auf den japanischen Friedenspreis, der ihm von der buddhistischen Niwano Peace Foundation verliehen wurde. Britisches Englisch Amerikanisches Englisch retirement pension. Im Web und als APP. Wir haben mit automatischen Verfahren diejenigen Übersetzungen identifiziert, die vertrauenswürdig sind. He spent his retirement in the Baptist congregation of Reutlingen, where he was actively involved in congregational life.. Er hat sich so auf seine Rente gefreut.
Calculations are per unit salary e. Retirement calculators generally accumulate a proportion of salary up to retirement age. This shows a straightforward case, which nonetheless could be practically useful for optimistic people hoping to work for only as long as they are likely to be retired.
References relevant to the zero real interest assumption are listed here. For more complicated situations, there are several online retirement calculators on the Internet.
Many retirement calculators project how much an investor needs to save, and for how long, to provide a certain level of retirement expenditures.
Some retirement calculators, appropriate for safe investments, assume a constant, unvarying rate of return. Monte Carlo retirement calculators take volatility into account and project the probability that a particular plan of retirement savings, investments, and expenditures will outlast the retiree.
Retirement calculators vary in the extent to which they take taxes, social security, pensions, and other sources of retirement income and expenditures into account.
The assumptions keyed into a retirement calculator are critical. One of the most important assumptions is the assumed rate of real after inflation investment return.
A conservative return estimate could be based on the real yield of Inflation-indexed bonds offered by some governments, including the United States, Canada, and the United Kingdom.
Many individuals use "retirement calculators" on the Internet to determine the proportion of their pay they should be saving in a tax advantaged-plan e.
After expenses and any taxes, a reasonable though arguably pessimistic long-term assumption for a safe real rate of return is zero. So in real terms , interest does not help the savings grow.
Each year of work must pay its share of a year of retirement. For someone planning to work for 40 years and be retired for 20 years, each year of work pays for itself and for half a year of retirement.
After 40 years of saving In the graph to the right, the lines are straight, which is appropriate given the assumption of a zero real investment return.
The graph above can be compared with those generated by many retirement calculators. However, most retirement calculators use nominal not "real" dollars and therefore require a projection of both the expected inflation rate and the expected nominal rate of return.
The Bloomberg retirement calculator gives the flexibility to specify, for example, zero inflation and zero investment return and to reproduce the graph above.
The problem that the lifespan is not known in advance can be reduced in some countries by the purchase at retirement of an inflation-indexed life annuity.
To pay for your pension, assumed for simplicity to be received at the end of each year, and taking discounted values in the manner of a net present value calculation, you need a lump sum available at retirement of:.
Above we have used the standard mathematical formula for the sum of a geometric series. It may be appropriate to regard this as being the necessary lump sum to fund 36, of annual supplements to any employer or government pensions that are available.
It is common to not include any house value in the calculation of this necessary lump sum, so for a homeowner the lump sum pays primarily for non-housing living costs.
Will you have saved enough at retirement? Use our necessary but unrealistic assumption of a constant after-pay-rises rate of interest. At retirement you have accumulated.
Bring z prop to the left hand side to give our answer, under this rough and unguaranteed method, for the proportion of pay that we should be saving:.
This corresponds to our graph above with the straight line real-terms accumulation. The result for the necessary z prop given by Ret depends critically on the assumptions that you make.
As an example, you might assume that price inflation will be 3. If you assume a 4. These assumptions may be reasonable in view of the market returns available on inflation-indexed bonds , after expenses and any tax.
Equation Ret is readily coded in Excel and with these assumptions gives the required savings rates in the accompanying picture.
Finally, a newer method for determining the adequacy of a retirement plan is Monte Carlo simulation. This method has been gaining popularity and is now employed by many financial planners.
The simulation results show the probability that the retirement plan will be successful. Retirement is generally considered to be "early" it occurs before the age or tenure needed for eligibility for support and funds from government or employer-provided sources.
Early retirees typically rely on their own savings and investments to be self-supporting, either indefinitely or until they begin receiving external support.
Early retirement can also be used as a euphemistic term for being terminated from employment before typical retirement age.
While conventional wisdom has it [ who? This allows for increasing the withdrawals with inflation to maintain a consistent spending ability throughout the retirement, and to continue making withdrawals even in dramatic and prolonged bear markets.
Exceptions apply under certain circumstances. This rule must be applied for with the IRS. Taxes still must be paid on the distributions.
Some of these tools model only the retirement phase of the plan while others can model both the savings or accumulation phase as well as the retirement phase of the plan.
The effects of making inflation-adjusted withdrawals from a given starting portfolio can be modeled with a downloadable spreadsheet  that uses historical stock market data to estimate likely portfolio returns.
Another approach is to employ a retirement calculator  that also uses historical stock market modeling, but adds provisions for incorporating pensions , other retirement income, and changes in spending that may occur during the course of the retirement.
Retirement might coincide with important life changes; a retired worker might move to a new location, for example a retirement community , thereby having less frequent contact with their previous social context and adopting a new lifestyle.
Often retirees volunteer for charities and other community organizations. Tourism is a common marker of retirement and for some becomes a way of life, such as for so-called grey nomads.
Some retired people even choose to go and live in warmer climates in what is known as retirement migration.
It has been found that Americans have six lifestyle choices as they age: America is facing an important demographic change in that the Baby Boomer generation is now reaching retirement age.
This poses two challenges: The account statement can also be repeated if it is found later that the relevant periods for the pension are missing, or proof of such a period is only possible at a later date.
If you have any questions about the German pension, your pension insurance company can help you directly, although it is mostly in German.
You can also get advice from pension advisors and specialized lawyers. Company Plans bAV betriebliche Altersvorsorge have traditionally been designed to supplement Retirement Insurance, and now will play a greater role in taking up the slack.
Government tax breaks and subsidies will encourage companies and employees to invest in private plans. Though company plans are not compulsory, they cover about three-fifths of the working population, a percentage that is expected to grow.
Pensions on company plans usually also commence at age 65, though this is likely in many cases to follow the Retirement Insurance practice and increase gradually to The third pillar, individual retirement investments , have not been very significant up to now, but have recently been getting a lot of attention as supplements to the Public Retirement Insurance.
Workers and other participants can get certain tax advantages and benefits from government subsidies for these plans. The benefits and other details vary from plan to plan.
There are differing payment methods, payout schemes, tax liabilities, portability opportunities and other factors that distinguish these plans from each other.
Certain plans may be better for different individuals depending on their particular situation. Expatriates living in Germany can participate in all these plans.
It may be possible to pay premiums to, and get benefits from, private pension plans even after having left Germany. Benefits from company plans usually can be received outside of Germany, though premiums are not always refunded.
If an expat qualifies for a pension under the Public Retirement Insurance it can be paid to them even if they do not live in Germany.
Laws and regulations may vary from country to country regarding collecting a pension from Germany or any other country. You should check with the pension authorities in your country of residence to see if a German pension would have any effect on any pension you may have earned in that country.
There are many complicated details to the pension system; means of determining the amount of pensions, provisions for early retirement, increased retirement benefits for staying on the job beyond 65, etc.
The best way to find what plan is right for you is to consult a financial advisor. If you are a US, Canadian, Australian citizen or a citizen of a non-EU country, you may be eligible for a refund of your contributions if you contributed for less than 60 months and more than 24 months have transpired since your last required contribution and you have moved home or to a non-EU state.
The summary prospectus and prospectus contains this and other important information about the investment product. Please read the summary prospectus and prospectus carefully before you invest.
Nothing contained herein is fiduciary or impartial investment advice that is individualized or directed to any plan, plan participant, or IRA owner regarding the advisability of any investment transaction, including any IRA distribution or rollover.
For registered representative use only. Not for public viewing or distribution. Yields Closed End Funds: Mutual Funds Fund Literature: Money Market Funds Fund Literature: Closed End Funds Fund Literature:
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