🇩🇪Germany
Funding-Defizite durch ALM-Unterdeckung
2 verified sources
Definition
German pension funds hold €47,553 million excess assets but with mismatches, leading to underfunding risks and sponsor contributions.
Key Findings
- Financial Impact: €47,553 million excess at risk; leveraged losses 20%+ in 'double hit' scenarios
- Frequency: Structural, visible in 2017 data persisting
- Root Cause: Equity exposure (49.7% UCITS) vs. fixed liabilities
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Pension Funds.
Affected Stakeholders
Plan Sponsor, CIO, Actuary
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Related Business Risks
ALM-Mismatch-Kosten durch unzureichende Duration
€ millions in annual swap premia; funding gaps up to 20% of liabilities during stress
Manuelle ALM-Simulationen und Modellierungsverluste
20-40 hours/month manual modeling; opportunity cost 1-2% lower returns
Überzahlungen und Rückforderungen
Regelmäßige monatliche Überzahlungen pro Fall; Rückforderungsaufwand 1-3 Monate
Überlastung der Rentenämter
12 Monate pro Antrag; branchenweit 26 Mio. Kontenprüfungen bis 2021 mit Nachzahlungen
Verlorene Ansprüche durch Prozessfrustration
Verpasste Renten: 25-55% der Entgeltpunkte-Rente; bis € Tausende pro Fall
Verzögerte Hinterbliebenenrente-Auszahlung
€-Verzögerung: 8-12 Wochen bis 12 Monate pro Antrag; typisch 25-55% der verstorbenen Rente monatlich gebunden
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