{"id":34764,"date":"2021-07-15T10:02:03","date_gmt":"2021-07-15T08:02:03","guid":{"rendered":"https:\/\/www.fma.gv.at\/fma-bericht-markt-fur-die-pramienbegunstigte-zukunftsvorsorge-2020-weiterhin-signifikant-schrumpfender-markt-veranlagungsperformance-negativ\/"},"modified":"2023-01-16T09:54:34","modified_gmt":"2023-01-16T08:54:34","slug":"fma-study-on-the-market-for-state-sponsored-retirement-provision-in-2020-market-continues-to-contract-significantly-investment-performance-negative","status":"publish","type":"post","link":"https:\/\/www.fma.gv.at\/en\/fma-study-on-the-market-for-state-sponsored-retirement-provision-in-2020-market-continues-to-contract-significantly-investment-performance-negative\/","title":{"rendered":"FMA Study on \u201cThe market for state-sponsored retirement provision in 2020\u201d: market continues to contract significantly. Investment performance negative."},"content":{"rendered":"<?xml encoding=\"utf-8\" ?><p class=\"wp-block-paragraph\">Der Markt der &bdquo;pr&auml;mienbeg&uuml;nstigten Zukunftsvorsorge&ldquo; (PZV), ein Produkt der freiwilligen Altersvorsorge, entwickelt sich seit der signifikanten K&uuml;rzung der staatlichen F&ouml;rderung im Jahr 2012 sowie angesichts der unattraktiven Anlageergebnisse im Niedrigzinsumfeld konstant r&uuml;ckl&auml;ufig. So ist die Zahl der PZV-Vertr&auml;ge seither von knapp mehr als 1,6 Millionen auf derzeit knapp &uuml;ber 1 Million zur&uuml;ckgegangen. 2020 wurden nur mehr 12.000 Neuvertr&auml;ge abgeschlossen (2019: 14.000), ein Minus von 15,9 % gegen&uuml;ber dem Jahr davor. Gleichzeitig reiften aber 79.000 Vertr&auml;ge ab. Da es sich bei der PZV aber um ein Produkt mit sehr langen Laufzeiten handelt, sind die j&auml;hrlichen Pr&auml;mienzufl&uuml;sse (einschlie&szlig;lich Nettomittelzufl&uuml;ssen) mit &euro; 778 Mio. zwar um &ndash; 2,9% niedriger als 2019 aber nach wie vor in beachtlicher H&ouml;he. Das in diesem Versicherungsprodukt Verwaltete Verm&ouml;gen stagniert damit bei plus\/minus &euro; 9 Mrd. (2020: &euro; 8,96 Mrd., 2019: &euro; 9,03 Mrd., 2018: &euro; 8,65 Mrd.). Dies geht aus der j&auml;hrlichen FMA-Studie &bdquo;Der Markt f&uuml;r die pr&auml;mienbeg&uuml;nstigte Zukunftsvorsorge 2020&ldquo; hervor.<\/p><p class=\"wp-block-paragraph\"><strong><em>Schwache Veranlagungsperformance<\/em><\/strong><\/p><p class=\"wp-block-paragraph\">Die volumengewichtete Veranlagungsperformance (vor Kosten) war entsprechend des herausfordernden Kapitalmarktumfeldes im Berichtsjahr mit &ndash; 1,26% negativ; im Jahr davor lag sie noch bei + 5,48%. Das von der FMA zum Vergleich seit Jahren berechnete &bdquo;stilisierte Benchmark-Portfolio&ldquo; (30% &ouml;sterreichische Aktien, 70% zehnj&auml;hrige &ouml;sterreichische Staatsanleihen) verlor hingegen in diesem Zeitraum nur 0,21% an Wert. Der ATX (inklusive Dividenden) fiel jedoch um 10,78%, die Rendite zehnj&auml;hriger Bundesanleihen betrug -0,50%. Als staatlich gef&ouml;rdertes Altersvorsorgeprodukt verpflichtet der Gesetzgeber die Anbieter aber, zumindest eine Garantie auf den Erhalt der eingezahlten Nominalpr&auml;mien zu geben.<\/p><p class=\"wp-block-paragraph\"><strong><em>Staatliche F&ouml;rderung<\/em><\/strong><\/p><p class=\"wp-block-paragraph\">Seit 2012, als die staatliche Pr&auml;mie zur F&ouml;rderung der PZV-Produkte halbiert wurde, betr&auml;gt diese 4,25%; die h&ouml;chstm&ouml;gliche pr&auml;mienbeg&uuml;nstigte Einzahlung betrug 2020 &euro; 2.957,80 (2019: &euro; 2875,18), was eine maximale staatliche Pr&auml;mie von &euro; 125,71 ergab. Sie ist damit zwar das neunte Jahr in Folge gestiegen, liegt aber nach wie vor signifikant unter den &euro; 210,35 zum H&ouml;chststand 2009.<\/p><p class=\"wp-block-paragraph\"><strong><em>Zahl der Anbieter weiterhin r&uuml;ckl&auml;ufig<\/em><\/strong><\/p><p class=\"wp-block-paragraph\">Nachdem Kapitalanlagegesellschaften bereits seit mehr als zehn Jahren keine neuen PZV-Vertr&auml;ge mehr verkaufen (und alle ihre Vertr&auml;ge inzwischen auch bereits abgereift sind), boten von den 19 Versicherungsunternehmen, die dieses Produkt in dessen Boom-Phase anboten, 2020 nur mehr f&uuml;nf den Abschluss neuer Vertr&auml;ge an. 56% des Neugesch&auml;fts entfielen dabei auf einen einzigen Anbieter, der zweitgr&ouml;&szlig;te &ndash; mit einem Marktanteil von 30% &ndash; bietet 2021 nicht mehr an. Es ist davon auszugehen, dass das Neugesch&auml;ft weiter r&uuml;ckl&auml;ufig sein wird.<\/p><p class=\"wp-block-paragraph\">Den gesamten Bericht finden Sie online auf der <a href=\"https:\/\/www.fma.gv.at\/en\/publications\/study-praemienbeguenstige-zukunftsvorsge\/\">FMA-Website<\/a>.<\/p><p class=\"wp-block-paragraph\"><strong>R&uuml;ckfragehinweis f&uuml;r Journalisten:<\/strong><\/p><p class=\"wp-block-paragraph\">Klaus Grubelnik<\/p><p class=\"wp-block-paragraph\">+43 \/ (0)1 \/ 24959-6006<\/p><p class=\"wp-block-paragraph\">+43 \/ (0)676 \/ 88 249 516<\/p>\n","protected":false},"excerpt":{"rendered":"<p>market continues to contract significantly. Investment performance negative.<\/p>\n","protected":false},"author":60,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[80],"tags":[],"class_list":["post-34764","post","type-post","status-publish","format-standard","hentry","category-press-release"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FMA Study on \u201cThe market for state-sponsored retirement provision in 2020\u201d: market continues to contract significantly. 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