Slide 1: Training 5: Risk Protection & Insurance Literacy
Training 5: Risk Protection & Insurance Literacy Allianz Finance Workout 1
Slide 2: Risk mind map
Mind map Risk Training 5: Risk Protection & Insurance Literacy 2
Slide 3: This is what you will learn today
This is what you will learn today How does your risk- Probability of taking behavior occurrence affect you? Risk management Risks and and hedging opportunities Risk quiz Solidarity principle Training 5: Risk Protection & Insurance Literacy 3
Slide 4: Risk Quiz
Risk Quiz Player 1 Player 2 Player 3 Start-up capital Deployment question 1 New account balance Deployment question 2 New account balance Deployment question 3 New account balance Training 5: Risk Protection & Insurance Literacy 4
Slide 5: Which circle in the center is larger?
Which circle in the center is larger ? Training 5: Risk Protection & Insurance Literacy 5
Slide 6: Consumption or investment?
Consumption or investment? vs. Job! Apprenticeship! University! School! Training! Training 5: Risk Protection & Insurance Literacy 6
Slide 7: Should Anna risk it?
Should Anna risk it? ? Training 5: Risk Protection & Insurance Literacy 7
Slide 8: Should Anna risk it?
Should Anna risk it? How much will Anna earn in total over the three years ? 750 x 12 + 800 x 12 + 860 x 12 = EUR 28.920 What is the amount of the loan that Anna needs to take out? 6.000 – 1.000 = EUR 5.000 How much interest does Anna have to pay for the entire loan term? (151,75 x 36) – 5.000 = EUR
Slide 9: Is it worth it?
Is it worth it? A B C The apprenticeship period After six months, Anna After half a year, the company extends over three years. realizes that her dream job runs into financial difficulties (750 x 12) + (800 x 12) + was not the right choice after and the business is shut down. (860 x 12) = EUR 28.920
Slide 10: Recognizing and weighing risks
Recognizing and weighing risks Risk Extent of recognition damage Probability of Risk occurance avoidance Risk mitigation Risk hedging When you take a risk, always keep in mind that your decision will have an impact on others. Training 5: Risk Protection & Insurance Literacy 10
Slide 11: Recognizing and weighing risks
Recognizing and weighing risks What positive consequences could self-employment have 01 for Marie? What negative consequences could self-employment 02 have for Marie? How high would you consider the probability of 03 occurrence of these negative consequences? You can mitigate risks. You can also hed
Slide 12: Solidarity principle
Solidarity principle Society’s challenges must be managed Examples of compulsory insurances in a way that distributes the costs and burdens fairly in accordance with basic principles of equity and social justice. Health Insurance Long-term Care Which is why we have insurance. Insurance Unemployment
Slide 13: Solidarity principle in Germany
Solidarity principle in Germany "The risks to be insured are shared by Statutory compulsory insurances all insured people. Regardless of how much the insured have paid to the social insurance, they are covered to a Health Insurance Long-term comprehensive extent. This solidarity-based approach creat
Slide 14: Allianz Finance Workout Tips
Allianz Finance Workout Tips You can mitigate risks. But Sometimes you have to you can also protect risk something in order against some risks with to win. There are no life insurance or by saving or money decisions money. Think carefully without risk. about whether you really need coverage and, if
Slide 15: Your opinion is needed!
Your opinion is needed!
Slide 16: Thank you for your attention!
Thank you for your attention! 16
Slide 17: Further sources...
Further sources... ...for teachers: http://www.beobachter.ch/konsum/artikel/risiko-im-alltag-lauert-die-gefahr/ http://www.bfr.bund.de/ http://www.bmas.de/DE/Themen/Soziale-Sicherung/inhalt.html http://www.bpb.de/themen/NFTHHG,0,0,Der_deutsche_Sozialstaat.html http://www.bpb.de/publikationen/796ZMF,