Cam-Duc Au – författare

Auf Grund des langanhaltenden Niedrigzinsniveaus sowie der zusätzlichen Herausforderungen der Corona-Pandemie, stehen Anbieter von Finanzdienstleistungsberatungen (z. B. Banken, Vermögensverwalter) sowie Privatanleger vor finanziellen Problemen. Auf der einen Seite erleiden Banken signifikante Ertragseinbrüche in Geschäftsbereichen, die jahrelang als stabil galten (z. B. Fristentransformation). Auf der anderen Seite stehen Privatanleger der Inflationsgefahr gegenüber, die mit konservativen und niedrig verzinsten Anlagen nicht zu beseitigen ist. Ein möglicher Ausweg, um für beide Seiten finanzielle Linderung zu schaffen, stellen digitale Anlageberatungsservices, die im Fachjargon unter den Begriff Robo-Advice und Robo-Advisory bekannt sind. Dieses Konzept wird aktuell um die Einbindung sog. Krypto- Assets erweitert. Die Arbeit untersucht daher die entscheidungsbestimmenden Faktoren aus Sicht der Privatanleger hinsichtlich der Nutzung eines Krypto-Robo-Advisor.

Seminar paper from the year 2016 in the subject Sociology - Social System and Social Structure, grade: 1,0, University of applied sciences, Dusseldorf, language: English, abstract: The objective in this paper is the depiction of the work-life balance concept as a strategy of employer branding in order to finally improve intrinsic and extrinsic motivation as a result thereof. Focussing on the practical example of the Adidas Group and its workplace in Herzogenaurach - which is known as The Adidas Campus"e; - the emphasis lies on the evaluation how the expectations of the Generation Z"e; are met and what consequences are revealed. The society nowadays undergoes manifold social alterations such as demographic change, globalisation or change of generations. The dynamics of these developments do not relate only to the people but also to the companies who have to acceptthese challenges. The necessity to act upon the requirement of social and economic adaption lead to the formula of success. For instance, attracting young professionals by creating targeted employment conditions constitutes simultaneously the solution for lack of specialists and the aging workforce in an organisation. According to a recent online survey conducted in Germany by the online statistics portal Statista , 81% of young professionals between 25 and 34 years consciously care about work-life balance. Focussing on the needs of junior employees, who also go by the term of Generation Z for people born beginning from 1995, represents the current strategic orientation of companies. The Generation Z or Digital Natives are to be distinguished from their predecessors in terms of expectations towards employer. In comparison to the Babyboomers or Generation X , the present generation is surrounded by the omnipresence of Internet and thus social media. Respecting this fact by providing a complying digital work environment, can influnce employer branding and employee motivation in a positive way.

Bachelor Thesis from the year 2015 in the subject Business economics - Investment and Finance, grade: 2,0, University of Applied Sciences Essen, language: English, abstract: Introduction of exchange traded funds for conservative investors to achieve real capital preservation. The world of money investment offers various possibilities for all kinds of investor to achieve personal financial goals. Institutional investors, such as hedge funds, insurances and asset managers, pursuit maximum profit for satisfaction of clientexpectations. In contrast, private investors concentrate on personal goals, for instance, retirement arrangements, inheritance or material wishes. Nearly 4.5 trillion are the total savings of German private households. From classic savings accounts up to capital investments in stock or bond market, investors are spoilt for choice. However, recent global financial events lead to the necessity of rethinking prevailing investment choices. Especially conservative investors with emphasis on low-risk investments suffer from the present investment landscape marked by lowinterest rates. They prefer investments in bank deposit accounts and avoid possible alternatives. 25% of all German private investors follow that idea of full security. But the recent ECB statement from April 2015 underlines the continuation of the policy of low interest rates. Due to the American model, key interest rate remains low at 0.05%. In addition, monthly purchase programmes of public and privatesecurities in the amount of 60 billion are executed. Hence, seeking new investment alternatives are the conclusion for savers. By way of example, dividends can be the new interests for conservative investors. The utilization of investment chances on the stock market can be a profitable solution for real return achievement and at last capital preservation. Despite the existing investment risk, it offers manifold ways to achieve winnings. On account of this, conservative investors need elaboration for approaching the stock market as effectively as possible to keep the risks and potential losses marginal. Discovering the personal most suitable investment strategy with the according mindset determines the success rate. This also implies to know the own willingness for taking risks. According to stock market expert Andre Kostolany, it is important to not allow emotions affect rational investment decisions.