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allianz

Allianz – share turns up. Is a new rally starting?

by Priya Shah – Business Editor June 29, 2025

written by Priya Shah – Business Editor

Navigating the Complexities of Financial Information: A Guide

Understanding the legal disclaimers accompanying financial news is crucial for making informed decisions. This guide dissects the terms of service and legal limitations imposed by a German financial news portal, offering clarity on what information is reliable and what users should approach with caution.

Who Can Access This Information?

The information on the platform primarily targets individuals residing in Germany. It explicitly restricts access to residents of the United States, the United Kingdom, and Canada. This is due to varying financial regulations across different jurisdictions. The content isn’t intended for distribution in the USA or Canada.

Understanding the Scope of Information

The provided data serves informational purposes only. While the portal strives to use reliable sources, it explicitly disclaims any liability or guarantee for the information’s accuracy, relevance, or completeness. Readers should understand that trading securities involves risks, potentially leading to capital loss. This information is not a substitute for professional investment advice.

Responsibilities and Limitations

The platform allows authors—including editors and agencies—to publish commentary and reports, but it doesn’t assume responsibility for that content. Any claims concerning material or immaterial damage resulting from using published data are generally excluded. The content, including articles and images, is solely for informational purposes and shouldn’t be seen as financial instrument recommendations.

News from dpa-AfX Wirtschaftsnachrichten GmbH is identified with “dpa-AfX.” The platform is not liable for any content it does not produce itself. DPA-AFX news is created with journalistic care, often using a six-eye principle. Information on the financial instruments dpa-AFX reports on is available on the DPA-AFX website.

Copyright and Usage Guidelines

The technical structure and design of the website are protected by copyright. Using or reproducing its content without prior consent is prohibited. MIM strives to respect the copyrights of used images, graphics, and texts. The copyright of individual articles belongs to the respective author, and republication or commercial distribution is generally not permitted.

Links and Legal References

The platform isn’t liable for content on external websites linked from the platform. It has no influence on the content of linked pages and distances itself from changes made after the link. The platform also refers users to the general terms of use and data protection declaration of Markets Inside Media GmbH. These can be found on the website.

According to a 2023 report by the World Economic Forum, digital literacy is critical for navigating financial information, with only about 42% of adults worldwide demonstrating basic financial knowledge (World Economic Forum).

Disclaimer Validity

This disclaimer forms part of the website it’s referenced from. If individual parts or formulations don’t align with the current legal situation, the remaining parts remain unaffected in their validity.

June 29, 2025 0 comments

Business

Make Your Savings Last: A Retirement Survival Guide

by Chief editor of world-today-news.com May 28, 2025

written by Chief editor of world-today-news.com

Rethinking Retirement: Going Beyond the 4% Rule

BUCHAREST – October 27, 2024 – Many Americans, anxious about retirement, lean on the 4% rule. However, financial experts reveal that this guideline isn’t always the best approach. We explore why the traditional retirement strategy is being re-evaluated. learn how too personalize your spending for a more secure future, by determining a plan that best suits your unique circumstances.

Rethinking Retirement: Beyond the 4% Rule

Many Americans harbor anxieties about their financial future. A recent study by Allianz revealed that 64%, nearly two in three Americans, are more concerned about outliving their savings than death itself. Compounding this worry, 62% admit they are not saving as much as they would prefer for retirement.

The 4% Rule: A Starting Point

For years, the 4% rule has been a popular guideline for retirement spending. According to Schwab, this rule suggests retirees withdraw 4% of their total investment portfolio in the first year of retirement. In subsequent years, this dollar amount is adjusted for inflation. The goal: to maintain a high probability of not depleting savings during a 30-year retirement.

Did you know? The 4% rule was initially designed for individuals retiring around age 65, anticipating a retirement lasting approximately 30 years.

Though, financial experts are increasingly cautioning against blindly adhering to this rule. Rob Williams, managing director of financial planning at Schwab Center for Financial Research, argues that the 4% rule is not a global solution.

It’s a rigid rule. So, it assumes that you increase that dollar amount… each year with inflation for a 30-year retirement and never make any adjustments.

Rob Williams, Schwab Center for financial Research

Williams emphasizes that the 4% rule assumes retirees want a very high probability of not running out of money, but it doesn’t account for individual circumstances or the potential for flexibility.

Personalizing Your Retirement Spending Rate

So, how can individuals determine a more personalized spending rate for retirement? Williams suggests considering these key factors:

Time Horizon: Is a 30-year retirement realistic for you? If you are already in your 70s, you might be able to spend a bit more.
Confidence vs. Legacy: How important is it to you to leave money behind versus ensuring you don’t run out of funds? A higher desire for certainty might necessitate spending less and investing more conservatively.
Flexibility: Can you adjust your spending based on market conditions or unexpected expenses?

Can you divide your expenses into your essential expenses and then some discretionary expenses? And most investors and retirees naturally are going to cut back on some of their discretionary spending, say, in a down market. And if you do that,that can really help your savings last.

Rob Williams, Schwab Center for Financial Research

The Math Behind a Personalized Approach

Let’s consider a hypothetical scenario: a 30-year time horizon with a conservative investment allocation (60-70% bonds, the rest in stocks). According to Schwab’s research, an initial spending rate of 4.1% in the first year, adjusted for inflation in subsequent years, would provide a 90% probability of lasting through retirement.

Pro Tip: Regularly review your retirement plan with a financial advisor. Modern planning tools and technology can definitely help you personalize your strategy and adapt to changing circumstances.

Williams stresses that this is just a starting point. By personalizing the plan, remaining flexible, and utilizing modern retirement income planning tools, retirees can frequently enough achieve better outcomes.

Frequently Asked Questions

What is the 4% rule?

The 4% rule suggests withdrawing 4% of your retirement savings in the first year, then adjusting that amount for inflation each subsequent year.

Why is the 4% rule not always the best approach?

It’s a rigid rule that doesn’t account for individual circumstances, time horizons, or the ability to adjust spending.

How can I personalize my retirement spending rate?

consider your time horizon, desired level of confidence in not running out of money, and your ability to be flexible with spending.

What is a conservative investment allocation?

A conservative allocation typically involves a higher percentage of bonds (60-70%) and a lower percentage of stocks.

May 28, 2025 0 comments

Sport

‘Did heaven help?’… Munich-Berlin match canceled due to heavy snow, Kim Min-jae was forced to rest

by Chief editor of world-today-news.com December 2, 2023

written by Chief editor of world-today-news.com

[마이데일리 = 최용재 기자]Did heaven help? Kim Min-jae (Bayern Munich), who returned from injury, was forced to rest.

Bayern Munich and Onion Berlin were scheduled to play the 13th round of the 2023-24 German Bundesliga season at the Allianz Arena in Munich, Germany on the afternoon of the 2nd. However, the match was officially cancelled. This is because of the heavy snow in Munich. Munich’s airport and train services are currently temporarily suspended due to heavy snow.

The German Bundesliga decided that football could not be played and decided to cancel. Both Bayern Munich and Union Berlin officially announced the cancellation of the 13th round match on the club website.

In particular, Bayern Munich said, “The Bundesliga match against Berlin, which was originally scheduled to be played at the Allianz Arena, has been postponed due to heavy snowfall overnight. The snow is not expected to stop until Saturday evening. Safety may be at risk, and cancellation is inevitable due to traffic conditions. “Snow falling from the roof of the Allianz Arena can pose an immeasurable risk to spectators. It is currently almost impossible to enter the stadium.”

With this cancellation, Minjae Kim will be able to rest for one more week. Minjae Kim suffered a hip injury in the game against Cologne on the 25th. After missing team training, Kim Min-jae also missed the UEFA Champions League (UCL) Group A 5th match against Copenhagen held on the 30th. Kim Min-jae was completely excluded from the roster in this game. Bayern Munich drew 1-1.

Kim Min-jae, who took a break for the first time in a long time, began his comeback against Berlin. Local media reported that his physical condition was not yet 100%, raising concerns about Kim Min-jae. Fortunately for him, heaven helped him and he was able to take another week of enforced rest. The schedule for the match between Bayern Munich and Berlin has not yet been confirmed.

[김민재. 사진 = 게티이미지코리아]

Reporter Yongjae Choi dragonj@mydaily.co.kr
– ⓒMy Daily (www.mydaily.co.kr). Reproduction and redistribution prohibited –

2023-12-02 11:58:00

#heaven #MunichBerlin #match #canceled #due #heavy #snow #Kim #Minjae #forced #rest

December 2, 2023 0 comments

News

FC Bayern Munich and Werder Bremen Set Attendance Records in Women’s Bundesliga Matches

by Chief editor of world-today-news.com October 14, 2023

written by Chief editor of world-today-news.com

Sport Bundesliga, women

FC Bayern Munich in front of a record crowd, even more fans in Bremen

As of: 9:20 p.m. | Reading time: 2 minutes

No way through: Lina Magull and FC Bayern failed to score against Frankfurt

Quelle: Getty Images/Jan Hetfleisch

In front of a record crowd, the women of FC Bayern welcomed Eintracht Frankfurt to the top game. The fans also set a record against 1. FC Köln in Bremen’s Weserstadion. In terms of sport, however, only Werder had something to celebrate.

The women’s Bundesliga benefited from the men’s international break. However, the FC Bayern Munich footballers only achieved a disappointing result at their Bundesliga premiere in the Allianz Arena in front of a record crowd. Coach Alexander Straus’ team had to be content with a 0-0 draw in front of 19,000 spectators in the home game against Eintracht Frankfurt.

However, the highest number of visitors in a league game for the Munich team did not inspire the home team. The German champions found it difficult to create clear scoring opportunities against smart defending from Frankfurt.

21,500 spectators celebrate Werder Bremen

The Werder Bremen footballers also set a club attendance record and surpassed the Munich mark. There were 21,508 spectators in the Weser Stadium on Saturday for the 3-0 (1-0) win over 1. FC Cologne. It was the second appearance in the big arena for coach Thomas Horsch’s team. Last November, Bremen lost 2-1 against SC Freiburg in front of 20,417 fans.

In front of a big crowd: Werder Bremen’s women celebrate the 1-0 win against Cologne

Quelle: picture alliance/nordphoto GmbH/Rauch

Werder initially benefited from an own goal from Cologne’s Celina Degen in their second win of the season. In the 32nd minute, the Austrian misdirected the ball into her own goal. Lina Hausicke (83rd) made it 2-0 with a powerful shot from close range. 17-year-old Melina Kunkel then made the final score in added time (90+3). In the table, Bremen have now moved past Cologne’s equal points with six points and are currently in fourth place.

Allianz Reports Strong First Half of 2023 Despite Challenges in Certain Areas

by Chief editor of world-today-news.com August 10, 2023

written by Chief editor of world-today-news.com

Allianz can look back on a successful first half of 2023, as can be seen from the business figures now presented for the period. In the first six months of this year, Europe’s largest insurer recorded a year-on-year increase in operating profit of 14.9 percent to EUR 7.5 billion and by 7.1 percent to EUR 3.8 billion in the months of April to June. The drivers of the developments were the lines of property and casualty insurance, while the life insurance business in Germany and the asset management area with the subsidiaries Pimco and Allianz Global Investors weakened.

The two group asset managers were able to increase the assets managed for third parties by EUR 27 billion to EUR 1.662 trillion in the first half of the year compared to the beginning of the year. However, despite cash inflows, it fell by six billion euros in the second quarter due to negative currency effects. Total assets under management stood at 2.163 trillion euros at the end of the second quarter, down 11 billion euros from the end of the first quarter of 2023 – including net outflows of 5.9 billion euros.

Cost/income ratio increased
This has an impact on profits: the operating result in asset management was 1.4 billion euros at the end of the first half of the year, 11.1 percent below the same period last year. In the second quarter, the insurer only recorded a result of 703 million euros here, nine percent below the same period last year. The cost-income ratio, which is important for asset managers, rose to 62.3 percent in the first six months (60.7 percent in mid-2022). In other words, Allianz spent around 62 cents to earn one euro.

In the area of life and health insurance, the financial service provider was able to increase its profit, but only thanks to developments in the USA. Operating profit climbed to 2.5 billion euros in the first half of the year, after 1.8 billion euros in the same period last year, because investments in the USA yielded higher profits. In contrast, the so-called PVNBP, the present value of new business premiums, fell to EUR 36.2 billion in the first half of the year due to lower premiums from Germany and Italy (EUR 37.6 billion in the first half of 2022). Although the PVNBP rose in the second quarter (EUR 17.7 billion versus EUR 16.5 billion in Q2 2022), this was only due to the strong US business, which offset lower new premiums from Germany and Italy due to “cyclical influences”. (jb)

2023-08-10 21:24:28
#Allianz #reports #higher #profits #Pimco #AGI

August 10, 2023 0 comments