Banks and Insurances in - 2021 DATA AND FACTS IN FOCUS - Heise ...
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Banks and Insurances in
2021
DATA AND FACTS
IN FOCUS
Banks and Insurances in
Money and security
36% of c't readers belong to the core target group for financial investments –
23% of c't readers belong to the core target group insurance.
Comprehensive potential:
325,000 readers think they are well taken care of at 51 years of age, but 396,000 readers consider their efforts to be
insufficient – their average age: 38 years.
201,000 readers have not yet decided – they still lack the final impetus to take action in the direction of pension
provision.
It is about time.
32% (296,000 readers) show a high willingness to spend on retirement provision,
19% (173,000 readers) for insurance.
Popular in payment transactions: Risk aversion type.
37% own the Visa Card, 30% do not like long terms.
38% own a Mastercard, Security is more important to them than
15% an American Express, profit – say 48% of the readers.
71% an international credit card.
Attractive potential for investments:
74% use online banking, Under 40-year-olds (18%) expect a significant
26% are considering a direct bank, improvement in their income in the medium
31% are already customers. term.
The potential for change is there.
They are in the best age: the decision In focus:
makers in financial investments. What moves and interests 723,000 readers.
698,000 readers (76%) decide how to provide 1st place: The topic of insurances and
for retirement: with financial investments and financial protection against accidents
insurance. with 583,000 readers and the topic of money
346,000 readers decide on this alone. and capital investments with 580,000 readers
They are in their prime time: mid-forties. take first place.
They are multipliers: Second place occupy private old-age
Every 5th person is particularly interested in provision and financial security for the future,
the topic of private pension provision and is behind them 63% of the readers.
considered an expert in this field. Their monthly HH net income: 4,218 euros.
Third place is taken by equity and investment
funds – that interests 39% of the readers.
They have the highest HH net income in
the target group financial investments: 4,587
euros per month.
Source: AWA 2021
Banks and Insurances in
Banks
What c't Capital assets:
readers Almost 2/3 have a private life insurance, a building society contract or hold overnight money.
Every 3rd person has shares, fixed-interest securities (savings bonds, bonds) or a Riester con-
already own.
tract.
High HH net income - typical investments:
Open-ended real estate funds __________ 37,000 readers HH net income Euro 6,188
EFTs (exchange-traded index funds) 46,000 readers HH net income Euro 5,477
These investments are well represented above average.
Real estate holdings - Top 3:
1. single family house, 2. house and/or apartment for rent, 3. condominium.
How c't The index shows the extent to which this target group is pronounced in comparison to the
readers will
be prepared:
Purchase plan
population as a whole. c't readers are far above average in these target groups.
€
investments and Index
real estate Under 40 years of age*
Signing a building society contract 57,000 readers 307
Building a house 20,000 readers 134
Take out or expand a private life insurance 19,000 readers 260
Conclude or expand a Riester contract or Rürup
17,000 readers 183
contract for private retirement provision
Over 40 years (40-45)*
Buying a house 60,000 readers 226
Buying a condominium 70,000 readers 209
Take out or expand a private life insurance 43,000 readers 190
Over 45 years*
Buy shares, equity funds (not ETFs) 120,000 readers 208
Buy gold (bars, coins, ETF) 62,000 readers 200
Buying fixed-interest investments such as savings contracts,
29,000 readers 157
bonds, pension funds
Buying ETF (exchange-traded index funds) 59,000 readers 225
Taking out a mortgage 33,000 readers 260
*average age
Source: AWA 2021
Banks and Insurances in
icherungen
Insurances
Vers
How important Household insurance 665,000 readers
are insurance Private liability insurance (excluding motor vehicles) 657,000 readers
policies to Fully comprehensive insurance (motor vehicle) 385,000 readers
c't-readers?
Traffic legal expenses insurance (only motor vehicles) 384,000 readers
Private accident insurance 414,000 readers
Family legal expenses insurance 365,000 readers
Insurance against occupational disability, disability 314,000 readers
Private pension insurance 228,000 readers
Company pension, entitlement to a company 267,000 readers
Long-term nursing care insurance 168,000 readers
Purchase plan How strongly the target group is represented in comparison to the population/total
Insurance in population shows the index.
general Example: The target group of readers under 40 years who want to take out private pension insurance is 249%
more strongly represented in the c't readership than in the population as a whole. In other words – the Index
249 is – well above average – the 2.49 – fold share!
Index
Under 40 years*
Taking out or expanding a private liability insurance 72,000 readers 261
Take out or expand a private pension insurance 44,000 readers 173
Taking out or expand an insurance against occupational disability,
65,000 readers 210
disability
Taking out or expanding private accident insurance 51,000 readers 276
Taking out or expanding legal expenses insurance 75,000 readers 247
Personal
Insured in a statutory health insurance 745,000 readers 93
health
insurance: Exclusively private health insurance 177,000 readers 144
statutory and
Private additional insurance 280,000 readers 103
private
Purchase plan c't readers under 40 years plan now!
Take out or extend private health insurance 38,000 readers 242
Take out or extend private nursing care insurance 40,000 readers 243
*average age Source: AWA 2021
Rooted in Print:
c't readers are comprehensively print affine/selectively print affinity - that's what 39% resp. 54% say. Simply gorgeous.
Banks and Insurances in
Topics in focus
heise online (Feb 15, 2019) heise online (May 15, 2019) heise online (Sept 30, 2019)
INSURANCES
heise online (Jan 24, 2019) heise online (July 06, 2019) heise online (July 20, 2021)
ct.1218.138-141.qxp 17.05.18 10:58 Seite 138
Bild: Albert Hulm
Guten Flug
Ab in den Urlaub: Reisen mit Drohne
Multikopter in den Koffer und los es, wenn man einen Multikopter mit letzt sollte man der eigenen Tollpatschig-
geht’s – so einfach ist es nicht, vor Kamera auf die Reise mitnimmt. Ähnlich keit Tribut zollen, indem man eine Haft-
der Reise muss vieles überdacht wie die Actionkameras vor ein paar Jah- pflichtversicherung abschließt.
werden. Wohin mit den Akkus im ren produzieren Drohnen Videos und
Flieger? Wie darf ich einreisen? Fotos aus überraschenden Perspektiven Packliste
Brauche ich eine Versicherung? und von eigentlich unerreichbaren Was muss alles ins Gepäck, damit der
Und welche ist überhaupt die Orten. Multikopter den ganzen Urlaub lang ein-
richtige Drohne für meine Flug-, Wer also Wert auf schicke Reise- satzfähig bleibt? Speicherkarten, mindes-
Auto- oder Backpacker-Reise? videos und -fotos legt, wird es nie bereu- tens ein Akku und das passende Ladegerät
en, den Multikopter dabei zu haben. Doch sind selbstverständlich. Fast alle Droh-
ist es damit allein nicht getan. Denn liegt nenakkus haben einen proprietären Lade-
Von Hannes A. Czerulla die Drohne erstmal im Koffer, kann noch anschluss. Einer der wenigen Ausnahmen
vieles schief gehen: Ist das Gerät nicht ge- bildet die DJI Spark, die selbst einen
nügend geschützt, kommt nur Elektro- Micro-USB-Anschluss hat und den gerade
schrott im Hotel an. Für den Transport im eingesetzten Akku darüber lädt. Aller-
D auernd die gleichen Fotos vom
Traumstrand, das obligatorische
Gruppenbild beim Wandern und zwi-
Flugzeug gelten undurchsichtige Vor-
schriften. Gerät man im falschen Land an
die falschen Beamten, wird der Multikop-
dings verlängert sich dadurch die Ladezeit
um ein Vielfaches.
Wir empfehlen dringend, die Fern-
schendurch ein verwackeltes Video der ter beschlagnahmt – oder man verbringt steuerung miteinzupacken. Zwar lassen
Actioncam – schnarch. Spannender wird seinen Urlaub gar im Gefängnis. Und zu- sich viele Modelle auch per Smartphone
©
c't 12/18, p. 138-141 heise online (May 17, 2021)
Copyright by Heise Medien
heise online (June 02, 2021) 138 c’t 2018, Heft 12
Banks and Insurances in
Topics in focus
BANKS
c't 14/21, p. 130 heise online (June 21, 2021) c't 12/21, p. 122
heise online (July 14, 2021) heise online (July 08, 2021) heise online (Oct 13, 2020)
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