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Raiffeisen Asset Management a obtinut autorizarea fondului de pensii facultative Raiffeisen Acumulare

Raiffeisen Asset Management a obtinut autorizarea fondului de pensii facultative Raiffeisen Acumulare
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Raiffeisen Asset Management a obtinut autorizarea fondului de pensii facultative ( pilonul III) Raiffeisen Acumulare. Fondul isi propune cresterea pe termen lung a capitalului investit in conditiile asumarii unui nivel de risc moderat. Pentru diminuarea riscurilor, structura portofoliului pe termen lung presupune investirea preponderenta in titluri de stat (aproximativ 60%) si obligatiuni tranzactionate la bursa (aproximativ 10%). In scopul cresterii randamentului, circa 25% din active sunt investite in actiuni.

"Raiffeisen Asset Management este un participant activ la dezoltarea legislatiei sistemului de pensii private in Romania si tocmai de aceea am decis lansarea unui fond de pensii facultative intelegand importanta acestei piete. In conditiile in care pensia publica actuala reprezinta in prezent cel mult 40% din salariul mediu pe economie, iar contributia la pensia privata obligatorie va fi in timp de maximum creste 6% din salariu brut, participarea la sistemul de pensii facultative reprezinta calea prin care se poate asigura un trai decent dupa pensionare. In acest sens, salutam si sprijinim initiativa CSSPP de a solicita marirea deductibilitatii fiscale a contributiei la fondurile de pensii facultative, in vederea cresterii importantei si atractivitatii acestora pentru participanti", a spus Felicia Popovici, vicepresedinte Raiffeisen Asset Management si membru in conducerea Asociatiei Pensiilor Administrate Privat din România (APAPR).

"Ne concentram pe competentele noastre de baza reprezentate de administrarea investitiilor, avand deja experienta acumulata pe piata fondurilor deschise de investitii din Romania. Oferim clientilor nostri expertiza locala, dar si internationala a Grupului Raiffeisen in domeniul administrarii fondurilor mutuale si de pensii, recunoscuta in Europa Centrala si de Est", a explicat Mihail Ion, presedintele Raiffeisen Asset Management, compania care administreaza fondul Raiffeisen Acumulare.


Grupul financiar austriac Raiffeisen are o experienta de peste 130 de ani in domeniul bancar si de 22 de ani in domeniul administrarii investitiilor. Raiffeisen Capital Management (RCM), centrul de competenta al grupului in administrarea investitiilor, este liderul pietei austriece, cu active in administrare care depasesc 40 de miliarde EUR, din care 12,4 miliarde EUR in fonduri de pensii. Zece dintre cele 19 fonduri de pensii din Austria sunt clienti RCM. Alte entitati ale Grupului Raiffeisen detin pozitii de frunte in Europa Centrala si de Est (Slovacia, Croatia, Bulgaria, Ungaria).

Grupul Raiffeisen are in Romania peste 2,2 milioane de clienti persoane fizice, 120.000 IMM-uri si circa 5.000 de companii medii si mari. Raiffeisen Asset Management este al treilea administrator de fonduri deschise de investitii din Romania, potrivit datelor oficiale de la sfirsitul lunii mai 2008, cu o cota de piata de peste 12,5% si active administrate de circa 35 mil EUR.

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Edith
Seems that the gist of Moran's issue is that he thinks it's uillaismbpe that complex behaviors such as targeted aggression have a genetic basis, this would require amazing alleles , and because evolutionary psychologists don't always hunt for the underlying alleles, the hypotheses are unscientific.Origin of Species has no mention of specific alleles or estimates of selection coefficients, so I guess Darwin didn't understand evolution or how to think about the functions of adaptations The evolved function of a behavior is not demonstrated by finding a single underlying allele. (Indeed, finding the relevant genetic sequences would only beg the question What FUNCTION promoted the success of these alleles? A question which requires looking outside of the organism, not inside its genome)The evolved function of a behavior is indicated by its articulate complexity, specifically by the mapping of sensory inputs to well-organized behavior. Functional hypotheses are tested by examining the fit between the structure of this input-output mapping and a hypothesized adaptive problem.Evolution by natural selection is the only known physical causal process that can generate complex, functional systems such as the eye, kin altruism mechanisms, or kin aggression mechanisms.Hence, when a biologist observes complexly organized behavior, candidate explanations come from possible functions which produce that behavior either directly, or as a byproduct of performing some other function.*Some* genetic basis can be inferred from the complexity of the trait, but the specifics of those genes need not be of great interest particularly because our current understanding of how genes contribute to complex traits whether behavioral or anatomical is so poor. We know so little about this that it is hardly time to speculate about what is or is not plausible when it comes to the genetic basis of complex traits.The quality of thought on Moran's blog by both the author and commenters is surprisingly shallow do you really think the way to understand evolved traits is to map them one by one to genes? Again, though this mapping could be interesting, it would only beg the question about the causal processes that selected for the genes/traits. For that question you need to look at adaptive problems.
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