30% more pensioner jobs than last year
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.
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?
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
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.
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
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
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?
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
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
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.
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
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.
More knowledge - Podcast, PDF download, eCourse or personal advice
Offline download: Download this text as PDF - Read usage rights, Because we do not automatically submit the title of this text for privacy reasons: When buying in "interests" the title register if support is needed. After buying text exclusively Download at this URL (please save).
Listen to Podcast & Download MP3: You can listen to this text for free, as member even without annoying popup, or download the MP3 for a fee - Read usage rights, After the purchase page refresh, then you will find the download link here. Because we do not automatically submit the title of this podcast for privacy reasons: When buying in "interests" the title register if support is needed.
Your eCourse on Demand: Choose your personal eCourse on this or another desired topic, As a PDF download. Up to 30 lessons with each 4 learning task + final lesson. Please enter the title under "interests". Alternatively, we are happy to put together your course for you or offer you a personal regular eMailCourse including supervision and certificate - all further information!
Consultant packages: You want to increase your reach or address applicants as an employer? For these and other topics we offer special Consultant packages (overview) - For example, a personal phone call (price is per hour).