On our OVB Holding blog, we provide articles about careers, trends in the world of work, self-development and society. We give experts a voice, share practical tips and offer insights into our company.
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ETFs – The deal with exchange traded funds
Almost everyone has heard about ETFs, but only very few people know how they actually work. Are they really a sensible supplement to your investment plan or just hype?
Autonomous driving will undoubtedly make our lives easier. However, there are still a few issues that need to be clarified before that can happen. What about insurance cover, for example?
Most people know that shares are traded on the stock market. But typically their financial education ends there. This is surprising, given that the functionalities of the stock market can be quickly explained.
Fear of poverty in old age – Which pension system is the safest?
More than half of all millennials fear poverty in old age. It ranks high in terms of fears for the future; only the fear of terrorism is greater. Scepticism about the performance of the statutory pension is a major factor. Still, only 45.8 % of Gen Y is already saving for retirement.1
Pop-up money – Does it pay to invest in cryptocurrency?
Bitcoin, XRP, and Co. – It was difficult to escape the hype about cryptocurrencies. New regularly reported on price explosions, young self-made millionaires, and high potential profits. In December 2017, Bitcoin celebrated its absolute peak with a value of almost 20.000 USD. In the meantime, the hype around the virtual currency seems to have died down. Still, one-third of all Germans considers cryptocurrency as an investment.
Young, cheap and highly qualified – for a long time these were the typical requirements that most companies made of potential employees. Yet things seem to be gradually changing – increasingly often it is specifically members of the older generation that are being taken on (again). A clear win-win situation for all those involved.
Cash-free payments – Time to cash in on cash-free?
From a technological perspective, cash has not been necessary for years. But Germans in particular love it. Hardly any other country pays as much with notes and coins: credit cards are only used for roughly 1 in 20 payments. Only Spain and Italy use them less. But what benefits do cash-free payments hold and how will it develop in the future?
It is far from ideal for companies when employees are absent due to sickness. But is it better to turn up at work sick? What initially sounds like exemplary commitment is actually detrimental to all involved.
The tedious subject of base interest rates – The ECB and its financial policy
In the middle of June, the European Central Bank announced that it would leave the base interest rate in the Euro zone at the record low of 0.0 %. There is no change in sight before the summer of 2019. With this relaxed financial policy, the ECB Council around President Mario Draghi wants to stimulate inflation in the Euro zone since 2016. But wait a minute – didn't they always teach you at school that inflation is bad?
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