Working and Financing at Retirement: 10 Senior Jobs and Best Investment Strategy


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As the Federal Statistical Office recently announced, 11% of 65- to 74-year-olds are gainfully employed - that is more than twice as many as ten years ago. With improved health care and rising life expectancy, this trend is likely to continue in the future. How is the labor market responding to this development?Retirement and Finances Work and Finances: 10 Senior Jobs and Best Investment Strategy Retirement and Finances Work: 10 Senior Jobs and Best Investment Strategy

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Here writes for you: Stefanie Kühn is a financial consultant and Certified Financial Planner. Profile

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Here writes for you: Julia Karlstetter is Senior PR and Content Marketing Manager at Joblift. Profile

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30% more pensioner jobs than last year

Overview

The Jobjift meta-search engine has investigated how the job market responds to the increase in seniors and which jobs are already offered to retirees today.

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In the last 24 months 14.461 job advertisements were published nationwide, which were (also) directed at retirees. In the past twelve months, 30% already had more jobs than in the previous year. This development reflects the growing willingness of German seniors to remain active in their working life at an advanced age.

Can pensioners Skills shortage compensate?

Overview

However, the number of ads that explicitly encourage retirees to apply is just 0,1% of the total job market. By comparison, student jobs are advertised seven times as often.

We can assume that especially sectors in which the shortage of skilled labor is particularly noticeable employ employees beyond the retirement age and thus contribute significantly to the growing percentage of employed pensioners. But where do those retirees find employment who can not or will not stay in their old job? Joblift has illustrated this in the infographic on the top 10 of the most frequently advertised jobs.

Instead of academy jobs and part-time instead of full-time

Overview

The majority of jobs do not require any special requirements. Only 34% of job advertisements for seniors require a degree, 29% a completed vocational training or study. Even for teachers' posts, which are mostly freelance tutoring positions, only 10% of posts require an academic degree. Only for commercial jobs, such as office work, is 68% complete training required.

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But what do pensioners still earn in their job? According to Joblift, a total of one third of the advertisements are directed to Minijobber on 450 Euro basis. Not all advertisements provide employment information, however, 46% of jobs offered are part-time, compared to 30% full-time positions. This makes perfect sense, if one again looks at the figures of the Federal Statistical Office: For a third of working senior citizens, employment is still the main source of income for their livelihood. Employers seem to increasingly appreciate and promote the potential of the young at heart.

Well furnished in old age

Overview

But what about finances in old age? Pensions and old-age provision are long-term favorites in the media and political discourse.

Anyone who has worked all his life wants to be well looked after in old age. But the pension is no longer safe.

The optimal financial strategy

Overview

It is clear to all now that they have to do something themselves, so as not to get into old-age poverty. But what is the best strategy?

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To remedy that, some swear on real estate, the others on stocks and still others like to invest their money in gold. But no retirement plan is really perfect - that must be made clear to every investor.

The old-age pension must fit in with you

Overview

If you invest your money as a time deposit, while it is safe, you will only be able to achieve a very low yield at the current interest rate.

What is more important, you have to decide for yourself - it is only important that the pension plan suits you.

To everyone is only the risk, which he also tolerates

Overview

Because everyone should only take the risk that he tolerates - if you can not sleep at night, I guarantee you that you are guaranteed to sell your shares at the wrong time and thus make high losses.

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It's better to have a good mix of fixed income and well managed funds - so you have some collateral and yet return opportunities.

Where to look more closely

Overview

By contrast, home ownership should always be just one component of old-age provision. Because the slogan "Rent-free living in old age" is a myth that is relativized on closer inspection. Because even the house is getting older and there are repairs and costs, with which one did not expect so.

By contrast, you should stay away from endowment policies - they are inflexible, bring only low returns and also, the tax benefits are no longer what they used to be.

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  1. Friederike Gonzalez

    Working in retirement age: 10 frequent jobs for seniors - Highly recommended tp5cBwytOT via @ berufebilder

  2. KWP INSIDE HR

    Working in retirement age: 10 frequent jobs for seniors CHARACTER PICTURES - Highly recommended 1AMNk0cuiT

  3. Dominik

    That's true! I have found many vacancies for older people on various job exchanges.

  4. Job college

    Working in retirement age: 10 frequent jobs for senior citizens of Julia Karlstetter - Highly recommended 1nTufeMvVJ - Highly recommended HVSTEkaoMy

  5. REGIS GMBH

    Working in retirement age: 10 frequent jobs for seniors from
    Julia Karlstetter

    via @ berufebilder - Highly recommended tKAGnSCOsQ

  6. Thomas Eggert

    Working in retirement age: 10 frequent jobs for seniors from
    Julia Karlstetter

    via @ berufebilder - Highly recommended D6Rgv2RDSv

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