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max-width:220px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap;\n
}\n
#sp-public-nav .user-logout{margin-top:4px;border-top:1px solid var(--line);border-radius:0 0 7px 7px}\n
#sp-public-nav .login{font-size:.95rem;color:var(--ink);opacity:.82}\n
#sp-public-nav .login:hover{opacity:1}\n
#sp-public-nav .join{\n
font-size:.95rem;font-weight:600;\n
color:#fff;background:#7AB800;\n
padding:9px 18px;border-radius:980px;\n
transition:background .18s ease;\n
}\n
#sp-public-nav .join:hover{background:#5a8a00}\n
\n
#sp-public-nav .panel{\n
position:absolute;top:calc(100% + 0px);left:50%;\n
transform:translateX(-50%) translateY(6px);\n
background:var(--panel);\n
border:1px solid var(--line);\n
border-radius:var(--radius);\n
box-shadow:0 18px 60px -12px rgba(0,0,0,.18),0 4px 14px rgba(0,0,0,.05);\n
padding:24px 28px;\n
opacity:0;visibility:hidden;pointer-events:none;\n
transition:opacity .2s ease,transform .2s ease,visibility .2s;\n
z-index:1001;\n
}\n
#sp-public-nav .nav-item:hover>.panel,\n
#sp-public-nav .nav-item.is-open>.panel{\n
opacity:1;visibility:visible;pointer-events:auto;\n
transform:translateX(-50%) translateY(0);\n
}\n
\n
#sp-public-nav .slim{display:flex;flex-direction:column;min-width:230px}\n
#sp-public-nav .slim-2col{display:flex;gap:48px}\n
#sp-public-nav .slim-city{display:flex;flex-direction:column}\n
#sp-public-nav .slim-head{\n
font-size:.72rem;font-weight:600;letter-spacing:.01em;\n
color:var(--grey);\n
margin-bottom:16px;white-space:nowrap;\n
}\n
#sp-public-nav .big-list{display:flex;flex-direction:column;gap:11px}\n
#sp-public-nav .big-list a{\n
font-size:1.55rem;font-weight:700;line-height:1.18;\n
color:var(--ink);letter-spacing:-.01em;white-space:nowrap;\n
transition:color .15s ease;\n
}\n
#sp-public-nav .big-list a:hover{color:#000;opacity:.7}\n
/* B-1733: In Dropdowns mit Rangfolge (Events, Für Unternehmen, Startupwelt, AI Hub, Über uns)\n
trägt nur der erste Eintrag die volle Größe — die folgenden treten zurück und führen den Blick\n
auf das Hauptziel. Coworking/Konferenzräume bleiben ungestuft (Einträge dort sind gleichrangig). */\n
#sp-public-nav .big-list-tiered a:not(:first-child){\n
font-size:1.05rem;font-weight:600;line-height:1.3;\n
color:var(--grey);letter-spacing:0;\n
}\n
#sp-public-nav .big-list-tiered a:not(:first-child):hover{color:var(--ink);opacity:1}\n
/* B-2155: Nebeneintrag im Stadt-Block (AI Community Pass) — tritt gegenüber den\n
gleichrangigen Hauptprodukten zurück, bleibt aber mit Badge auffindbar. */\n
#sp-public-nav .big-list a.nav-sub{\n
font-size:1.05rem;font-weight:600;line-height:1.3;\n
color:var(--grey);letter-spacing:0;\n
display:inline-flex;align-items:center;gap:8px;\n
}\n
#sp-public-nav .big-list a.nav-sub:hover{color:var(--ink);opacity:1}\n
#sp-public-nav .nav-badge{\n
background:#9535ff;color:#fff;\n
font-size:.62rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;\n
padding:2px 7px;border-radius:999px;line-height:1.4;\n
}\n
#sp-public-nav .slim-divider{height:1px;background:var(--line);margin:20px 0 14px}\n
#sp-public-nav .slim-foot{\n
display:flex;align-items:center;justify-content:space-between;\n
gap:24px;white-space:nowrap;\n
}\n
#sp-public-nav .slim-cta{\n
font-size:.95rem;font-weight:600;color:#5a8a00;\n
transition:color .15s ease,opacity .15s ease;\n
}\n
#sp-public-nav .slim-cta:hover{color:#7AB800;opacity:.85}\n
/* B-1473: Probetag-CTA pro Stadt-Spalte; Footer nur noch Memberships (rechtsbündig) */\n
/* B-2174: Der Probetag-CTA hing per festem margin-top direkt unter der Liste und\n
rutschte damit mit jeder zusaetzlichen Zeile nach unten. Seit dem AI Community Pass\n
(B-2155) hat Duesseldorf einen Eintrag mehr als Koeln -> die beiden CTAs standen\n
33px versetzt. margin-top:auto schiebt ihn an den Spaltenboden; die Spalten sind\n
durch das flex-stretch in .slim-2col ohnehin gleich hoch. Das padding haelt den\n
Abstand zur Liste, wenn eine Spalte exakt ausgefuellt ist. */\n
#sp-public-nav .slim-city-cta{margin-top:auto;padding-top:16px}\n
#sp-public-nav .slim-foot-single{justify-content:flex-end}\n
#sp-public-nav .slim-over{\n
font-size:.9rem;font-weight:400;color:var(--grey);\n
transition:color .15s ease;\n
}\n
#sp-public-nav .slim-over:hover{color:var(--ink)}\n
\n
#sp-public-nav .burger{display:none;margin-left:auto;background:none;border:0;cursor:pointer;\n
width:32px;height:32px;align-items:center;justify-content:center}\n
#sp-public-nav .burger span{display:block;width:18px;height:1.5px;background:var(--ink);position:relative}\n
#sp-public-nav .burger span::before,#sp-public-nav .burger span::after{content:"";position:absolute;left:0;width:18px;height:1.5px;background:var(--ink)}\n
#sp-public-nav .burger span::before{top:-5px}#sp-public-nav .burger span::after{top:5px}\n
\n
/* ===== Mobile Drill-Down-Overlay (Apple-Stil) ===== */\n
#sp-public-nav .mobile{\n
display:none;position:fixed;inset:0;z-index:1005;\n
background:#fff;flex-direction:column;overflow:hidden;\n
}\n
#sp-public-nav .mobile.open{display:flex}\n
\n
/* Header: Logo + Schließen */\n
#sp-public-nav .mob-topbar{\n
flex:0 0 auto;height:var(--bar-h);\n
display:flex;align-items:center;justify-content:space-between;\n
padding:0 22px;border-bottom:1px solid var(--line);\n
background:rgba(255,255,255,.92);\n
backdrop-filter:saturate(180%) blur(14px);\n
-webkit-backdrop-filter:saturate(180%) blur(14px);\n
}\n
#sp-public-nav .mob-logo img{height:24px;display:block}\n
#sp-public-nav .mob-close{\n
width:32px;height:32px;border:0;background:transparent;\n
color:var(--grey-soft);font-size:22px;line-height:1;cursor:pointer;\n
display:flex;align-items:center;justify-content:center;border-radius:50%;\n
}\n
#sp-public-nav .mob-close:active{background:#f2f2f4}\n
\n
/* Sliding viewport */\n
#sp-public-nav .mob-viewport{flex:1 1 auto;position:relative;overflow:hidden}\n
#sp-public-nav .mob-level{\n
position:absolute;inset:0;overflow-y:auto;-webkit-overflow-scrolling:touch;\n
background:#fff;transition:transform .3s cubic-bezier(.32,.72,0,1);\n
}\n
\n
/* Level 1 */\n
#sp-public-nav .mob-level1{transform:translateX(0);display:flex;flex-direction:column;z-index:1}\n
#sp-public-nav .mobile.in-sub .mob-level1{transform:translateX(-26%)}\n
#sp-public-nav .mob-l1-list{flex:1 1 auto;padding:6px 0 4px}\n
#sp-public-nav .mob-l1-row{\n
display:flex;align-items:center;justify-content:space-between;width:100%;\n
background:transparent;border:0;text-align:left;\n
padding:17px 22px;font-size:17px;color:var(--ink);font-weight:500;\n
letter-spacing:-.012em;cursor:pointer;position:relative;font-family:inherit;\n
}\n
#sp-public-nav .mob-l1-row + .mob-l1-row::before{\n
content:"";position:absolute;top:0;left:22px;right:0;height:1px;background:var(--line);\n
}\n
#sp-public-nav .mob-l1-row:active{background:#f7f7f8}\n
#sp-public-nav .mob-chev{color:#aeaeb2;font-size:20px;font-weight:400;line-height:1;margin-left:12px}\n
\n
/* Level 1 footer */\n
#sp-public-nav .mob-foot{\n
flex:0 0 auto;border-top:1px solid var(--line);\n
padding:16px 22px 22px;display:flex;align-items:center;gap:14px;flex-wrap:wrap;\n
}\n
#sp-public-nav .mob-lang{font-size:13px;color:var(--grey);letter-spacing:.02em}\n
#sp-public-nav .mob-lang a{color:var(--grey)}\n
#sp-public-nav .mob-lang a.active{color:var(--ink);font-weight:600}\n
#sp-public-nav .mob-lang .sep{color:#aeaeb2;margin:0 4px}\n
#sp-public-nav .mob-login{font-size:14px;color:var(--ink);font-weight:500}\n
#sp-public-nav .mob-pill{\n
margin-left:auto;background:#7AB800;color:#fff;font-size:14px;font-weight:600;\n
padding:9px 18px;border-radius:999px;letter-spacing:-.01em;white-space:nowrap;\n
}\n
#sp-public-nav .mob-pill:active{background:#6aa300}\n
\n
/* Level 2 panels */\n
#sp-public-nav .mob-panel{\n
transform:translateX(100%);display:flex;flex-direction:column;z-index:2;\n
}\n
#sp-public-nav .mob-panel.active{transform:translateX(0)}\n
#sp-public-nav .mob-sub-header{\n
position:sticky;top:0;flex:0 0 auto;\n
background:rgba(255,255,255,.92);\n
backdrop-filter:saturate(180%) blur(14px);\n
-webkit-backdrop-filter:saturate(180%) blur(14px);\n
border-bottom:1px solid var(--line);z-index:5;\n
}\n
#sp-public-nav .mob-back{\n
display:flex;align-items:center;gap:4px;width:100%;\n
background:transparent;border:0;text-align:left;\n
padding:15px 20px;font-size:17px;font-weight:600;letter-spacing:-.015em;\n
color:var(--ink);cursor:pointer;font-family:inherit;\n
}\n
#sp-public-nav .mob-back-arrow{color:#7AB800;font-size:21px;line-height:1;margin-right:2px}\n
#sp-public-nav .mob-back:active{opacity:.6}\n
#sp-public-nav .mob-l2-body{flex:1 1 auto;padding:8px 0 4px}\n
#sp-public-nav .mob-group-head{\n
font-size:11px;font-weight:600;letter-spacing:.07em;text-transform:uppercase;\n
color:#aeaeb2;padding:18px 22px 7px;\n
}\n
#sp-public-nav .mob-l2-row{\n
display:block;padding:14px 22px;font-size:16px;color:var(--ink);\n
font-weight:400;letter-spacing:-.01em;position:relative;\n
}\n
#sp-public-nav .mob-l2-row + .mob-l2-row::before{\n
content:"";position:absolute;top:0;left:22px;right:22px;height:1px;background:var(--line);\n
}\n
#sp-public-nav .mob-l2-row:active{background:#f7f7f8}\n
#sp-public-nav .mob-ext{font-size:12px;color:#aeaeb2;margin-left:5px;vertical-align:1px}\n
\n
/* CTA area */\n
#sp-public-nav .mob-cta-area{\n
flex:0 0 auto;border-top:1px solid var(--line);\n
padding:18px 22px 24px;display:flex;flex-direction:column;gap:12px;\n
}\n
#sp-public-nav .mob-cta{\n
display:block;text-align:center;background:#7AB800;color:#fff;\n
font-size:16px;font-weight:600;padding:14px 18px;border-radius:14px;letter-spacing:-.01em;\n
}\n
#sp-public-nav .mob-cta:active{background:#6aa300}\n
#sp-public-nav .mob-cta-secondary{\n
display:block;text-align:center;color:var(--ink);font-size:15px;font-weight:500;padding:2px;\n
}\n
\n
@media(max-width:1023px){\n
#sp-public-nav .nav,#sp-public-nav .bar-right{display:none}\n
#sp-public-nav .burger{display:flex}\n
}\n
</style>\n
<div id="sp-public-nav">\n
\n
<!-- ============ TOP BAR ============ -->\n
<header class="bar">\n
<div class="bar-inner">\n
<a class="logo" href="/" aria-label="STARTPLATZ">\n
<img src="https://res.cloudinary.com/startplatz/image/upload/c_scale,w_180/v1614775163/logos/STARTPLATZ_Logos/STARTPLATZ_Logo.png" alt="STARTPLATZ">\n
</a>\n
\n
<nav class="nav" id="nav">\n
\n
<!-- ===== Büros & Coworking ===== -->\n
<div class="nav-item" data-menu>\n
<div class="nav-link">Büros & Coworking</div>\n
<div class="panel">\n
<div class="slim">\n
<div class="slim-2col">\n
<div class="slim-city">\n
<div class="slim-head">Köln</div>\n
<div class="big-list">\n
<a href="https://www.startplatz.de/coworking-koeln/">Coworking</a>\n
<a href="https://www.startplatz.de/teambuero-koeln/">Teambüros</a>\n
<a href="https://www.startplatz.de/geschaeftsanschrift-koeln/">Geschäftsadresse</a>\n
</div>\n
<a class="slim-cta slim-city-cta" href="https://cal.eu/startplatz/coworking-probetag-koln">Probetag buchen →</a>\n
</div>\n
<div class="slim-city">\n
<div class="slim-head">Düsseldorf</div>\n
<div class="big-list">\n
<a href="https://www.startplatz.de/coworking-duesseldorf/">Coworking</a>\n
<a href="https://www.startplatz.de/buero-duesseldorf/">Teambüros</a>\n
<a href="https://www.startplatz.de/geschaeftsanschrift-duesseldorf/">Geschäftsadresse</a>\n
<a class="nav-sub" href="https://www.startplatz.de/ai-community-pass-duesseldorf/">AI Community Pass<span class="nav-badge">Neu</span></a>\n
</div>\n
<a class="slim-cta slim-city-cta" href="https://cal.eu/startplatz-dus/coworking-probetag-dusseldorf">Probetag buchen →</a>\n
</div>\n
</div>\n
<div class="slim-divider"></div>\n
<div class="slim-foot slim-foot-single">\n
<a class="slim-over" href="https://www.startplatz.de/memberships/">Memberships & Tarife →</a>\n
</div>\n
</div>\n
</div>\n
</div>\n
\n
<!-- ===== Konferenzräume ===== -->\n
<div class="nav-item" data-menu>\n
<div class="nav-link">Konferenzräume</div>\n
<div class="panel">\n
<div class="slim">\n
<div class="slim-head">Konferenzräume entdecken</div>\n
<div class="big-list">\n
<a href="https://www.startplatz.de/koeln-tagungsraeume-und-konferenzraeume/">Konferenzräume Köln</a>\n
<a href="https://www.startplatz.de/duesseldorf-tagungsraeume-und-konferenzraeume/">Konferenzräume Düsseldorf</a>\n
</div>\n
<div class="slim-divider"></div>\n
<div class="slim-foot">\n
<a class="slim-cta" href="https://www.startplatz.de/raumanfrage?standort=koeln">Raum in Köln buchen</a>\n
<a class="slim-cta" href="https://www.startplatz.de/raumanfrage?standort=duesseldorf">Raum in Düsseldorf buchen</a>\n
</div>\n
</div>\n
</div>\n
</div>\n
\n
<!-- ===== Events ===== -->\n
<div class="nav-item" data-menu>\n
<div class="nav-link">Events</div>\n
<div class="panel">\n
<div class="slim">\n
<div class="slim-head">Events entdecken</div>\n
<div class="big-list big-list-tiered">\n
<a href="https://www.startplatz.de/events">Alle Events</a>\n
<a href="https://www.startplatz.de/ki-weiterbildung/meetups/">Meetups</a>\n
<a href="https://www.startplatz.de/ki-weiterbildung/hackathons/">Hackathons</a>\n
</div>\n
<div class="slim-divider"></div>\n
<div class="slim-foot">\n
<a class="slim-cta" href="https://www.startplatz.de/events">Zu allen Events</a>\n
</div>\n
</div>\n
</div>\n
</div>\n
\n
<!-- ===== Für Unternehmen (Business Innovation) ===== -->\n
<div class="nav-item" data-menu>\n
<div class="nav-link">Für Unternehmen</div>\n
<div class="panel">\n
<div class="slim">\n
<div class="slim-head">Business Innovation entdecken</div>\n
<div class="big-list big-list-tiered">\n
<a href="/business-innovation/">Für Unternehmen</a>\n
<a href="/business-innovation/ai-experience-day/">AI Experience Day</a>\n
<a href="/business-innovation/startup-scouting/">Startup Scouting</a>\n
<a href="/business-innovation/trusted-advisor/">Trusted Advisor</a>\n
<a href="/business-innovation/partnerschaften/">Partnerschaften & Sponsoring</a>\n
</div>\n
<div class="slim-divider"></div>\n
<div class="slim-foot">\n
<a class="slim-cta" href="https://www.cal.eu/julian-palaszewski-aqkzwq" target="_blank" rel="noopener">Gespräch vereinbaren</a>\n
<a class="slim-over" href="https://startplatz-ai-academy.de/unternehmen" target="_blank" rel="noopener">AI Academy →</a>\n
</div>\n
</div>\n
</div>\n
</div>\n
\n
<!-- ===== Startupwelt ===== -->\n
<div class="nav-item" data-menu>\n
<div class="nav-link">Startupwelt</div>\n
<div class="panel">\n
<div class="slim">\n
<div class="slim-head">Startupwelt entdecken</div>\n
<div class="big-list big-list-tiered">\n
<a href="https://www.startplatz.de/accelerator/">KI Accelerator</a>\n
<a href="https://www.startplatz.de/open-accelerator">Inkubator</a>\n
<a href="https://www.startplatz.de/gruendungsstipendium-nrw/">Gründungsstipendium NRW</a>\n
<a href="https://www.rheinlandpitch.de" target="_blank" rel="noopener">Rheinland-Pitch</a>\n
<a href="https://www.startplatz.de/startups">Unsere Startups</a>\n
</div>\n
<div class="slim-divider"></div>\n
<div class="slim-foot">\n
<a class="slim-cta" href="https://www.startplatz.de/accelerator/">Jetzt bewerben</a>\n
<a class="slim-over" href="https://www.startplatz.de/sprechstunden/">Sprechstunden, Mentoring & mehr →</a>\n
</div>\n
</div>\n
</div>\n
</div>\n
\n
<!-- ===== AI Hub ===== -->\n
<div class="nav-item" data-menu>\n
<div class="nav-link">AI Hub</div>\n
<div class="panel">\n
<div class="slim">\n
<div class="slim-head">AI Hub entdecken</div>\n
<div class="big-list big-list-tiered">\n
<a href="https://www.startplatz.de/ki-weiterbildung/masterclasses/">Webinare & Masterclasses</a>\n
<a href="https://www.startplatz.de/ki-weiterbildung/ki-campus/">KI Campus</a>\n
<a href="https://www.startplatz.de/ki-weiterbildung/meetups/">Meetups</a>\n
<a href="https://www.startplatz.de/ki-weiterbildung/hackathons/">Hackathons</a>\n
<a href="https://www.startplatz.de/ai-hub-rheinland-koeln-frankreich-startplatz/">Frankreich-Initiative</a>\n
</div>\n
<div class="slim-divider"></div>\n
<div class="slim-foot">\n
<a class="slim-cta" href="https://www.startplatz.de/ki-experten">Dozent:in werden</a>\n
<a class="slim-over" href="https://startplatz-ai-academy.de/" target="_blank" rel="noopener">Zur AI Academy →</a>\n
</div>\n
</div>\n
</div>\n
</div>\n
\n
<!-- ===== Über uns ===== -->\n
<div class="nav-item" data-menu>\n
<div class="nav-link">Über uns</div>\n
<div class="panel">\n
<div class="slim">\n
<div class="slim-head">STARTPLATZ entdecken</div>\n
<div class="big-list big-list-tiered">\n
<a href="https://www.startplatz.de/ueber-uns/">Über STARTPLATZ</a>\n
<a href="https://www.startplatz.de/startplatz-team/">STARTPLATZ Team</a>\n
<a href="https://www.startplatz.de/standorte/">Standorte</a>\n
<a href="https://www.startplatz.de/partner">Partner</a>\n
</div>\n
<div class="slim-divider"></div>\n
<div class="slim-foot">\n
<a class="slim-cta" href="https://www.startplatz.de/karriere/">Karriere</a>\n
<a class="slim-cta" href="https://www.startplatz.de/partner-werden/">Partner werden</a>\n
</div>\n
</div>\n
</div>\n
</div>\n
\n
<!-- ===== Blog (direct link) ===== -->\n
<div class="nav-item">\n
<a class="nav-link" href="https://www.startplatz.de/blog/">Blog</a>\n
</div>\n
\n
</nav>\n
\n
<div class="bar-right">\n
<div class="lang">\n
<button class="lang-btn" aria-label="Sprache wählen">\n
<svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><path stroke-linecap="round" stroke-linejoin="round" d="M21 12a9 9 0 01-9 9m9-9a9 9 0 00-9-9m9 9H3m9 9a9 9 0 01-9-9m9 9c1.657 0 3-4.03 3-9s-1.343-9-3-9m0 18c-1.657 0-3-4.03-3-9s1.343-9 3-9m-9 9a9 9 0 019-9"/></svg>\n
<svg class="lang-caret" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><path stroke-linecap="round" stroke-linejoin="round" d="M19 9l-7 7-7-7"/></svg>\n
</button>\n
<div class="lang-menu">\n
<a href="/" class="active">DE</a>\n
<a href="/en/" class="">EN</a>\n
<a href="/fr/" class="">FR</a>\n
</div>\n
</div>\n
<a class="login" href="https://www.startplatz.de/login/">Login</a>\n
<a class="join" href="https://www.startplatz.de/memberships/">Mitglied werden</a>\n
</div>\n
\n
<button class="burger" id="burger" aria-label="Menü"><span></span></button>\n
</div>\n
</header>\n
\n
<!-- ============ MOBILE DRILL-DOWN (Apple-Stil) ============ -->\n
<div class="mobile" id="mobile">\n
\n
<!-- Header: Logo + Schließen -->\n
<div class="mob-topbar">\n
<a class="mob-logo" href="/" aria-label="STARTPLATZ">\n
<img src="https://res.cloudinary.com/startplatz/image/upload/c_scale,w_180/v1614775163/logos/STARTPLATZ_Logos/STARTPLATZ_Logo.png" alt="STARTPLATZ">\n
</a>\n
<button class="mob-close" type="button" aria-label="Menü schließen">✕</button>\n
</div>\n
\n
<!-- Sliding viewport -->\n
<div class="mob-viewport">\n
\n
<!-- LEVEL 1 -->\n
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<h1 style="line-height: 2em;">Finanziell vorsorgen: Tipps, wie junge Gründer*innen vorgehen können</h1>\n
<p class="date">19. April 2021, 14:25 :: <a href="https://www.staging.startplatz.de/category/aktuelle-trends/" rel="category tag">Aktuelle Trends</a> | <a href="https://www.staging.startplatz.de/category/allgemein/" rel="category tag">Allgemein</a> | <a href="https://www.staging.startplatz.de/category/corporate-services/" rel="category tag">Corporate Services</a></p>\n
<p class="date">Autor: lgraef</p>\n
<p><p><strong>Für viele Deutsche ist es immer noch unvorstellbar, dass wir uns in einem der reichsten Länder der Welt ernsthafte Sorgen darüber machen müssen, eventuell von Altersarmut betroffen zu sein. Doch dieses Schreckensgespenst verbreitet sich in Deutschland rasant. Laut einer Studie der Wirtschaftsforschungsinstitute DIW und ZEW sind derzeit über 16 Prozent der Einwohner von Altersarmut bedroht. In den nächsten 15 Jahren wird dieser Wert aller Voraussicht nach auf über 20 Prozent steigen und betroffen sind insbesondere viele Gründer und Selbstständige.</strong><br />\n
<span id="more-71056"></span><br />\n
<center></p>\n
<p><a href="https://www.startplatz.de/wp-content/uploads/2021/04/image2.jpg"><img fetchpriority="high" decoding="async" class="img-responsive" src="https://www.startplatz.de/wp-content/uploads/2021/04/image2-e1618825024542.jpg" alt="abwarten-und-tee-trinken-altersvorsorge-gründer-gründerinnen" width="600" height="394" /></a> „Abwarten und Tee trinken“ ist keine gute Strategie für die Altersvorsorge bei Gründer*innen. Sie müssen das Heft selbst in die Hand nehmen, um im hohen Alter nicht armutsgefährdet zu sein.</p>\n
<p></center> </p>\n
<h3>Was ist Altersarmut?</h3>\n
<p>Die <a href="https://alterix.de/recht-finanzen/altersvorsorge/was-ist-altersarmut-1002.html">Altersarmut ist nicht genau definiert</a>. Es gibt keine bestimmte Einkommensgrenze, ab deren Unterschreitung Menschen als „altersarm“ gelten. Die Altersarmut manifestiert sich einfach an den Dingen des täglichen Lebens. Jeder hätte wohl gerne, dass er sich an seinem Lebensabend die folgenden Dinge locker leisten kann:</p>\n
<ul>\n
<li>Ein eigenes Dach über dem Kopf</li>\n
<li>Regelmäßige warme Mahlzeiten</li>\n
<li>Die Teilnahme am kulturellen Leben in Form von Theater-, Konzert- oder Kinobesuchen</li>\n
<li>Erforderliche Medikamente und benötigte Utensilien wie beispielsweise orthopädische Strümpfe oder ein Rollator</li>\n
</ul>\n
<p>Lässt sich das alles nicht finanzieren, handelt es sich dabei einfach um kein angemessenes und würdevolles Leben im Rentenalter in einem der reichsten Länder der Welt.</p>\n
<h3>Altersvorsorge für Selbstständige</h3>\n
<p>Aufgrund der drohenden Altersarmut sind Gründer*innen gut beraten, sich von Anfang an mit dem Thema Altersvorsorge auseinanderzusetzen. Das ist mental schwierig, da diese Zeit in der fernen Zukunft liegt und scheinbar nichts mit den aktuellen Herausforderungen des Unternehmerlebens zu tun hat.</p>\n
<p>So werden die ersten Gewinne von vielen lieber dazu investiert, sich endlich einmal etwas zu gönnen und den Lohn der harten Arbeit auch zu genießen. Dagegen ist grundsätzlich auch nichts einzuwenden. Doch erstens sollte zumindest ein Teil der Gewinne reinvestiert werden, damit das Unternehmen weiterhin florieren kann und zweitens ist es wichtig, sich Geld für jene Zeit auf die Seite zu legen, in denen die Einnahmen nicht mehr wie eine frisch entdeckte Ölquelle sprudeln werden.</p>\n
<p>Gründer*innen haben grundsätzlich die Möglichkeit, sich freiwillig in der gesetzlichen Rentenversicherung versichern zu lassen oder stattdessen lieber in eine private Altersvorsorge einzuzahlen. So hat jeder die Möglichkeit, die für seine individuelle Situation beste Lösung maßzuschneidern.</p>\n
<p>Unternehmer*innen sind es gewohnt, ihre Angelegenheiten selbst in die Hand zu nehmen und nicht alles vom Staat regeln zu lassen. Deshalb vertrauen sie in der Regel auch nicht darauf, dass die vertraglichen Leistungen der gesetzlichen Rentenversicherung irgendwann ihren Lebensabend sichern werden. Vielmehr investieren sie idealerweise so früh wie möglich in private Modelle, um ein wenig Vermögen für das Alter anzuhäufen.</p>\n
<p>Welche Möglichkeiten es dazu gibt, ist beispielsweise auf dem Portal <a href="https://www.finanzen.de/altersvorsorge/betriebliche-altersvorsorge">Finanzen.de</a> nachzulesen, dass sich mit seinen Informationen primär an Verbraucher, die sich in Versicherungs- und Finanzfragen online informieren möchten, richtet.</p>\n
<h3>Der Klassiker: Fondsgebundene Lebensversicherung</h3>\n
<p>Bei der fondsgebundenen Lebensversicherung handelt es sich um eine abgewandelte Form der Kapitallebensversicherung. Neben einer lebenslangen Altersrente hat sie den weiteren Vorteil, dass Angehörige entsprechende Zahlungen erhalten, wenn der eigentliche Versicherungsnehmer vor Ablauf des Vertrages stirbt.</p>\n
<p>Die eingezahlten Beiträge werden dabei in unterschiedliche Investmentfonds wie beispielsweise Aktien-, Immobilien- oder Rentenfonds angelegt. Das Augenmerk liegt hier weniger auf einer hohen Rendite als vielmehr auf der hohen Sicherheit, damit das Risiko, dass das angesparte Kapital verlorengeht, so gering wie möglich ist.</p>\n
<p>Denn selbstverständlich könnte das Geld stattdessen auch in unterschiedliche Kryptowährungen investiert werden, die mit etwas Glück abgehen, wie eine Rakete. Allerdings bergen solche Investitionen auch immer die Gefahr eines Totalverlusts und sind deshalb für die Altersvorsorge nur wenig geeignet.</p>\n
<p>Hat die fondsgebundene Lebensversicherung eine Laufzeit von mindestens zwölf Jahren und erfolgt die Auszahlung frühestens ab dem 62. Lebensjahr, müssen die Sparer lediglich den halben Gewinn versteuern.</p>\n
<p>Der Markt bietet sehr viele unterschiedliche fondsgebundene Lebensversicherungen mit teilweise sehr risikofreudigen Fonds, aber auch mit sehr vielen stabilen Anlageformen. Wer ein auf seine Bedürfnisse maßgeschneidertes Angebot haben möchte, kann dies bei Finanzen.de anfordern.<br />\n
<center></p>\n
<p><a href="https://www.startplatz.de/wp-content/uploads/2021/04/image1-e1618826160670.jpg"><img decoding="async" class="img-responsive" src="https://www.startplatz.de/wp-content/uploads/2021/04/image1-e1618826160670.jpg" alt="Risiko-Ertrag-fondsgebundene-Lebensversicherung" width="600" height="333" /></a> Die richtige Mischung aus Risiko und Ertrag spielt bei der fondsgebundenen Lebensversicherung eine wichtige Rolle.</p>\n
<p></center> </p>\n
<h3>Immer noch lukrativ: Betongold</h3>\n
<p>Wer sich mit Mitgliedern aus dem <a href="https://www.startplatz.de/fuer-unternehmen/">Startplatz Business Club</a> über das Thema Altersvorsorge unterhält, bekommt des Öfteren zu hören, dass manche mit dem Kauf von Grund und Boden versuchen, ihren Lebensabend abzusichern.</p>\n
<p>Eine eigene Immobilie als Altersvorsorge ist grundsätzlich eine sehr gute Idee. Allerdings ist es wie auch im Business-Leben wichtig, dass das Projekt richtig angegangen wird. Ein Grundstock an Eigenkapital in der Höhe von mindestens 20 Prozent der Kaufsumme sollte dabei auf alle Fälle vorhanden sein. Ist das aktuell nicht der Fall, empfiehlt es sich, zunächst diese Summe anzusparen und erst dann mit der Suche nach einer geeigneten Immobilie zu beginnen. Für diese Zwecke ist immer noch der klassische „Bausparer“ eine gute Möglichkeit.</p>\n
<p>Die Finanzierung sollte so geplant sein, dass bis zum Rentenantritt mindestens 90 Prozent der Kreditsumme bereits abbezahlt sind. Die Raten sollten dabei so gestaltet sein, dass sie im zunehmenden Alter abnehmen. Wichtig ist, dass der Vertrag mit einem Sondertilgungsrecht ausgestattet ist. So ist es möglich, bei unerwarteten Einnahmen den Kredit wesentlich schneller abzubezahlen.</p>\n
<p>Wichtig bei einer Immobilie für das Alter ist auch die Bauweise. Die Treppen, die in jungen Jahren mühelos bewältigt werden, können später zu einer großen täglichen Belastung werden. Auch ein großer Garten muss im Alter noch gepflegt werden. Dazu ist es wichtig, neben dem eigentlichen Kauf auch noch eine Reserve anzusparen, um eventuelle Reparaturen an der Immobilie bewerkstelligen zu können.</p>\n
<p>Damit sich die Investition lohnt, sollte darüber hinaus unbedingt auf die Lage geachtet werden. Das ist vor allem dann entscheidend, wenn die Immobilie nicht selbst bewohnt, sondern vermietet werden soll.<br />\n
<center></p>\n
<p><a href="https://www.startplatz.de/wp-content/uploads/2021/04/image3-e1618826461339.jpg"><img decoding="async" class="img-responsive" src="https://www.startplatz.de/wp-content/uploads/2021/04/image3-e1618826461339.jpg" alt="Investition-Immobilie-Altersvorsorge" /></a> Die Investition in eine Immobilie kann ebenfalls eine gute Altersvorsorge darstellen. Dabei sollte allerdings auf die Beschaffenheit geachtet werden. Die Treppen dieser Häuser könnten im Alter Probleme bereiten.</p>\n
<p></center></p>\n
<p><strong>Über den Autor:</strong></p>\n
<p>Jürgen Schneider arbeitet seit über 15 Jahren als unabhängiger Finanzberater und unterstützt vor allem junge Gründer*innen dabei, eine für sie passende Altersvorsorge zu finden.</p>\n
</p>\n
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removeClass(el, cssClass) : addClass(el, cssClass); }; } var noop = function() {}; var profilerStorageKey = 'symfony/profiler/'; var addEventListener; var el = document.createElement('div'); if (!('addEventListener' in el)) { addEventListener = function (element, eventName, callback) { element.attachEvent('on' + eventName, callback); }; } else { addEventListener = function (element, eventName, callback) { element.addEventListener(eventName, callback, false); }; } var request = function(url, onSuccess, onError, payload, options, tries) { url = new URL(url); url.searchParams.set('XDEBUG_IGNORE', '1'); url = url.toString(); var xhr = window.XMLHttpRequest ? new XMLHttpRequest() : new ActiveXObject('Microsoft.XMLHTTP'); options = options || {}; options.retry = options.retry || false; tries = tries || 1; /* this delays for 125, 375, 625, 875, and 1000, ... */ var delay = tries < 5 ? (tries - 0.5) * 250 : 1000; xhr.open(options.method || 'GET', url, true); xhr.setRequestHeader('X-Requested-With', 'XMLHttpRequest'); xhr.onreadystatechange = function(state) { if (4 !== xhr.readyState) { return null; } if (xhr.status == 404 && options.retry && !options.stop) { setTimeout(function() { if (options.stop) { return; } request(url, onSuccess, onError, payload, options, tries + 1); }, delay); return null; } if (200 === xhr.status) { (onSuccess || noop)(xhr); } else { (onError || noop)(xhr); } }; if (options.onSend) { options.onSend(tries); } xhr.send(payload || ''); }; var getPreference = function(name) { if (!window.localStorage) { return null; } return localStorage.getItem(profilerStorageKey + name); }; var setPreference = function(name, value) { if (!window.localStorage) { return null; } localStorage.setItem(profilerStorageKey + name, value); }; var requestStack = []; var extractHeaders = function(xhr, stackElement) { /* Here we avoid to call xhr.getResponseHeader in order to */ /* prevent polluting the console with CORS security errors */ var allHeaders = xhr.getAllResponseHeaders(); var ret; if (ret = allHeaders.match(/^x-debug-token:\s+(.*)$/im)) { stackElement.profile = ret[1]; } if (ret = allHeaders.match(/^x-debug-token-link:\s+(.*)$/im)) { stackElement.profilerUrl = ret[1]; } if (ret = allHeaders.match(/^Symfony-Debug-Toolbar-Replace:\s+(.*)$/im)) { stackElement.toolbarReplaceFinished = false; stackElement.toolbarReplace = '1' === ret[1]; } }; var successStreak = 4; var pendingRequests = 0; var renderAjaxRequests = function() { var requestCounter = document.querySelector('.sf-toolbar-ajax-request-counter'); if (!requestCounter) { return; } requestCounter.textContent = requestStack.length; var infoSpan = document.querySelector(".sf-toolbar-ajax-info"); if (infoSpan) { infoSpan.textContent = requestStack.length + ' AJAX request' + (requestStack.length !== 1 ? 's' : ''); } var ajaxToolbarPanel = document.querySelector('.sf-toolbar-block-ajax'); if (requestStack.length) { ajaxToolbarPanel.style.display = ''; } else { ajaxToolbarPanel.style.display = 'none'; } if (pendingRequests > 0) { addClass(ajaxToolbarPanel, 'sf-ajax-request-loading'); } else if (successStreak < 4) { addClass(ajaxToolbarPanel, 'sf-toolbar-status-red'); removeClass(ajaxToolbarPanel, 'sf-ajax-request-loading'); } else { removeClass(ajaxToolbarPanel, 'sf-ajax-request-loading'); removeClass(ajaxToolbarPanel, 'sf-toolbar-status-red'); } }; var startAjaxRequest = function(index) { var tbody = document.querySelector('.sf-toolbar-ajax-request-list'); if (!tbody) { return; } var nbOfAjaxRequest = tbody.rows.length; if (nbOfAjaxRequest >= 100) { tbody.deleteRow(0); } var request = requestStack[index]; pendingRequests++; var row = document.createElement('tr'); request.DOMNode = row; var requestNumberCell = document.createElement('td'); requestNumberCell.textContent = index + 1; row.appendChild(requestNumberCell); var profilerCell = document.createElement('td'); profilerCell.textContent = 'n/a'; row.appendChild(profilerCell); var methodCell = document.createElement('td'); methodCell.textContent = request.method; row.appendChild(methodCell); var typeCell = document.createElement('td'); typeCell.textContent = request.type; row.appendChild(typeCell); var statusCodeCell = document.createElement('td'); var statusCode = document.createElement('span'); statusCode.textContent = 'n/a'; statusCodeCell.appendChild(statusCode); row.appendChild(statusCodeCell); var pathCell = document.createElement('td'); pathCell.className = 'sf-ajax-request-url'; if ('GET' === request.method) { var pathLink = document.createElement('a'); pathLink.setAttribute('href', request.url); pathLink.textContent = request.url; pathCell.appendChild(pathLink); } else { pathCell.textContent = request.url; } pathCell.setAttribute('title', request.url); row.appendChild(pathCell); var durationCell = document.createElement('td'); durationCell.className = 'sf-ajax-request-duration'; durationCell.textContent = 'n/a'; row.appendChild(durationCell); request.liveDurationHandle = setInterval(function() { durationCell.textContent = (new Date() - request.start) + ' ms'; }, 100); row.className = 'sf-ajax-request sf-ajax-request-loading'; tbody.insertBefore(row, null); var toolbarInfo = document.querySelector('.sf-toolbar-block-ajax .sf-toolbar-info'); toolbarInfo.scrollTop = toolbarInfo.scrollHeight; renderAjaxRequests(); }; var finishAjaxRequest = function(index) { var request = requestStack[index]; clearInterval(request.liveDurationHandle); if (!request.DOMNode) { return; } if (request.toolbarReplace && !request.toolbarReplaceFinished && request.profile) { /* Flag as complete because finishAjaxRequest can be called multiple times. */ request.toolbarReplaceFinished = true; /* Search up through the DOM to find the toolbar's container ID. */ for (var elem = request.DOMNode; elem && elem !== document; elem = elem.parentNode) { if (elem.id.match(/^sfwdt/)) { Sfjs.loadToolbar(elem.id.replace(/^sfwdt/, ''), request.profile); break; } } } if (pendingRequests > 0) { pendingRequests--; } var row = request.DOMNode; /* Unpack the children from the row */ var profilerCell = row.children[1]; var methodCell = row.children[2]; var statusCodeCell = row.children[4]; var statusCodeElem = statusCodeCell.children[0]; var durationCell = row.children[6]; if (request.error) { row.className = 'sf-ajax-request sf-ajax-request-error'; methodCell.className = 'sf-ajax-request-error'; successStreak = 0; } else { row.className = 'sf-ajax-request sf-ajax-request-ok'; successStreak++; } if (request.statusCode) { if (request.statusCode < 300) { statusCodeElem.setAttribute('class', 'sf-toolbar-status'); } else if (request.statusCode < 400) { statusCodeElem.setAttribute('class', 'sf-toolbar-status sf-toolbar-status-yellow'); } else { statusCodeElem.setAttribute('class', 'sf-toolbar-status sf-toolbar-status-red'); } statusCodeElem.textContent = request.statusCode; } else { statusCodeElem.setAttribute('class', 'sf-toolbar-status sf-toolbar-status-red'); 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}); addEventListener(es, 'symfony:debug:started', function (event) { var items = event.data.split('\n'); stackElement.profile = items[0]; stackElement.profilerUrl = items[1]; }); addEventListener(es, 'symfony:debug:error', function (event) { stackElement.error = true; stackElement.statusCode = event.data; finishAjaxRequest(idx); }); addEventListener(es, 'symfony:debug:finished', function () { stackElement.duration = new Date() - stackElement.start; stackElement.toolbarReplaceFinished = false; stackElement.toolbarReplace = true; finishAjaxRequest(idx); }); } return es; }; Object.defineProperties(patchedEventSource, Object.getOwnPropertyDescriptors(oldEventSource)); window.EventSource = patchedEventSource; } if (window.fetch && window.fetch.polyfill === undefined) { var oldFetch = window.fetch; window.fetch = function () { var promise = oldFetch.apply(this, arguments); var url = arguments[0]; var params = arguments[1]; var paramType = Object.prototype.toString.call(arguments[0]); if (paramType === '[object Request]') { url = arguments[0].url; params = { method: arguments[0].method, credentials: arguments[0].credentials, headers: arguments[0].headers, mode: arguments[0].mode, redirect: arguments[0].redirect }; } else { url = String(url); } if (!url.match(new RegExp("^\/((index|app(_[\\w]+)?)\\.php\/)?_wdt"))) { var method = 'GET'; if (params && params.method !== undefined) { method = params.method; } var stackElement = { error: false, url: url, method: method, type: 'fetch', start: new Date() }; var idx = requestStack.push(stackElement) - 1; promise.then(function (r) { stackElement.duration = new Date() - stackElement.start; stackElement.error = r.status < 200 || r.status >= 400; stackElement.statusCode = r.status; stackElement.profile = r.headers.get('x-debug-token'); stackElement.profilerUrl = r.headers.get('x-debug-token-link'); stackElement.toolbarReplaceFinished = false; stackElement.toolbarReplace = '1' === r.headers.get('Symfony-Debug-Toolbar-Replace'); finishAjaxRequest(idx); }, function (e){ stackElement.error = true; finishAjaxRequest(idx); }); startAjaxRequest(idx); } return promise; }; } if (window.XMLHttpRequest && XMLHttpRequest.prototype.addEventListener) { var proxied = XMLHttpRequest.prototype.open; XMLHttpRequest.prototype.open = function(method, url, async, user, pass) { var self = this; /* prevent logging AJAX calls to static and inline files, like templates */ var path = url; if (url.slice(0, 1) === '/') { if (0 === url.indexOf('')) { path = url.slice(0); } } else if (0 === url.indexOf('https\u003A\/\/www.staging.startplatz.de')) { path = url.slice(33); } if (!path.match(new RegExp("^\/((index|app(_[\\w]+)?)\\.php\/)?_wdt"))) { var stackElement = { error: false, url: url, method: method, type: 'xhr', start: new Date() }; var idx = requestStack.push(stackElement) - 1; this.addEventListener('readystatechange', function() { if (self.readyState == 4) { stackElement.duration = new Date() - stackElement.start; stackElement.error = self.status < 200 || self.status >= 400; stackElement.statusCode = self.status; extractHeaders(self, stackElement); finishAjaxRequest(idx); } }, false); startAjaxRequest(idx); } proxied.apply(this, Array.prototype.slice.call(arguments)); }; } return { hasClass: hasClass, removeClass: removeClass, addClass: addClass, toggleClass: toggleClass, getPreference: getPreference, setPreference: setPreference, addEventListener: addEventListener, request: request, renderAjaxRequests: renderAjaxRequests, getSfwdt: function(token) { return document.getElementById('sfwdt' + token); }, load: function(selector, url, onSuccess, onError, options) { var el = document.getElementById(selector); if (el && el.getAttribute('data-sfurl') !== url) { request( url, function(xhr) { el.innerHTML = xhr.responseText; el.setAttribute('data-sfurl', url); removeClass(el, 'loading'); var pending = pendingRequests; for (var i = 0; i < requestStack.length; i++) { startAjaxRequest(i); if (requestStack[i].duration || requestStack[i].error) { finishAjaxRequest(i); } } /* Revert the pending state in case there was a start called without a finish above. */ pendingRequests = pending; (onSuccess || noop)(xhr, el); }, function(xhr) { (onError || noop)(xhr, el); }, '', options ); } return this; }, showToolbar: function(token) { var sfwdt = this.getSfwdt(token); var toggleButton = document.querySelector(`#sfToolbarToggleButton-${token}`); if ('closed' === getPreference('toolbar/displayState')) { addClass(sfwdt.parentNode, 'sf-toolbar-closed'); removeClass(sfwdt.parentNode, 'sf-toolbar-opened'); if (toggleButton) { toggleButton.setAttribute('aria-expanded', 'false'); } } else { addClass(sfwdt.parentNode, 'sf-toolbar-opened'); removeClass(sfwdt.parentNode, 'sf-toolbar-closed'); if (toggleButton) { toggleButton.setAttribute('aria-expanded', 'true'); } } }, hideToolbar: function(token) { var sfwdt = this.getSfwdt(token); var toggleButton = document.querySelector(`#sfToolbarToggleButton-${token}`); addClass(sfwdt.parentNode, 'sf-toolbar-closed'); removeClass(sfwdt.parentNode, 'sf-toolbar-opened'); if (toggleButton) { toggleButton.setAttribute('aria-expanded', 'false'); } }, initToolbar: function(token) { this.showToolbar(token); var toggleButton = document.querySelector(`#sfToolbarToggleButton-${token}`); addEventListener(toggleButton, 'click', function (event) { event.preventDefault(); const newState = 'closed' === getPreference('toolbar/displayState') ? 'opened' : 'closed'; setPreference('toolbar/displayState', newState); 'opened' === newState ? Sfjs.showToolbar(token) : Sfjs.hideToolbar(token); }); }, loadToolbar: function(token, newToken) { var that = this; var triesCounter = document.getElementById('sfLoadCounter-' + token); var options = { retry: true, onSend: function (count) { if (count === 3) { that.initToolbar(token); } if (triesCounter) { triesCounter.textContent = count; } }, }; var cancelButton = document.getElementById('sfLoadCancel-' + token); if (cancelButton) { addEventListener(cancelButton, 'click', function (event) { event.preventDefault(); options.stop = true; that.hideToolbar(token); }); } newToken = (newToken || token); this.load( 'sfwdt' + token, 'https\u003A\/\/www.staging.startplatz.de\/_wdt\/xxxxxx'.replace(/xxxxxx/, newToken), function(xhr, el) { var toolbarContent = document.getElementById('sfToolbarMainContent-' + newToken); /* Do nothing in the edge case where the toolbar has already been replaced with a new one */ if (!toolbarContent) { return; } /* Replace the ID, it has to match the new token */ toolbarContent.parentElement.id = 'sfwdt' + newToken; /* Evaluate in global scope scripts embedded inside the toolbar */ var i, scripts = [].slice.call(el.querySelectorAll('script')); for (i = 0; i < scripts.length; ++i) { if (scripts[i].firstChild) { eval.call({}, scripts[i].firstChild.nodeValue); } } el.style.display = -1 !== xhr.responseText.indexOf('sf-toolbarreset') ? 'block' : 'none'; if (el.style.display == 'none') { return; } that.initToolbar(newToken); /* Handle toolbar-info position */ var toolbarBlocks = [].slice.call(el.querySelectorAll('.sf-toolbar-block')); for (i = 0; i < toolbarBlocks.length; ++i) { toolbarBlocks[i].onmouseover = function () { var toolbarInfo = this.querySelectorAll('.sf-toolbar-info')[0]; var pageWidth = document.body.clientWidth; var elementWidth = toolbarInfo.offsetWidth; var leftValue = (elementWidth + this.offsetLeft) - pageWidth; var rightValue = (elementWidth + (pageWidth - this.offsetLeft)) - pageWidth; /* Reset right and left value, useful on window resize */ toolbarInfo.style.right = ''; toolbarInfo.style.left = ''; if (elementWidth > pageWidth) { toolbarInfo.style.left = 0; } else if (leftValue > 0 && rightValue > 0) { toolbarInfo.style.right = (rightValue * -1) + 'px'; } else if (leftValue < 0) { toolbarInfo.style.left = 0; } else { toolbarInfo.style.right = '0px'; } }; } renderAjaxRequests(); addEventListener(document.querySelector('.sf-toolbar-ajax-clear'), 'click', function() { requestStack = []; renderAjaxRequests(); successStreak = 4; document.querySelector('.sf-toolbar-ajax-request-list').innerHTML = ''; }); addEventListener(document.querySelector('.sf-toolbar-block-ajax'), 'mouseenter', function (event) { var elem = document.querySelector('.sf-toolbar-block-ajax .sf-toolbar-info'); elem.scrollTop = elem.scrollHeight; }); addEventListener(document.querySelector('.sf-toolbar-block-ajax > .sf-toolbar-icon'), 'click', function (event) { event.preventDefault(); toggleClass(this.parentNode, 'hover'); }); var dumpInfo = document.querySelector('.sf-toolbar-block-dump .sf-toolbar-info'); if (null !== dumpInfo) { addEventListener(dumpInfo, 'sfbeforedumpcollapse', function () { dumpInfo.style.minHeight = dumpInfo.getBoundingClientRect().height+'px'; }); addEventListener(dumpInfo, 'mouseleave', function () { dumpInfo.style.minHeight = ''; }); } }, function(xhr) { if (xhr.status !== 0 && !options.stop) { var sfwdt = that.getSfwdt(token); sfwdt.innerHTML = '\ <div class="sf-toolbarreset notranslate">\ <div class="sf-toolbar-icon"><svg width="26" height="28" xmlns="http://www.w3.org/2000/svg" version="1.1" x="0px" y="0px" viewBox="0 0 26 28" enable-background="new 0 0 26 28" xml:space="preserve"><path fill="#FFFFFF" d="M13 0C5.8 0 0 5.8 0 13c0 7.2 5.8 13 13 13c7.2 0 13-5.8 13-13C26 5.8 20.2 0 13 0z M20 7.5 c-0.6 0-1-0.3-1-0.9c0-0.2 0-0.4 0.2-0.6c0.1-0.3 0.2-0.3 0.2-0.4c0-0.3-0.5-0.4-0.7-0.4c-2 0.1-2.5 2.7-2.9 4.8l-0.2 1.1 c1.1 0.2 1.9 0 2.4-0.3c0.6-0.4-0.2-0.8-0.1-1.3C18 9.2 18.4 9 18.7 8.9c0.5 0 0.8 0.5 0.8 1c0 0.8-1.1 2-3.3 1.9 c-0.3 0-0.5 0-0.7-0.1L15 14.1c-0.4 1.7-0.9 4.1-2.6 6.2c-1.5 1.8-3.1 2.1-3.8 2.1c-1.3 0-2.1-0.6-2.2-1.6c0-0.9 0.8-1.4 1.3-1.4 c0.7 0 1.2 0.5 1.2 1.1c0 0.5-0.2 0.6-0.4 0.7c-0.1 0.1-0.3 0.2-0.3 0.4c0 0.1 0.1 0.3 0.4 0.3c0.5 0 0.9-0.3 1.2-0.5 c1.3-1 1.7-2.9 2.4-6.2l0.1-0.8c0.2-1.1 0.5-2.3 0.8-3.5c-0.9-0.7-1.4-1.5-2.6-1.8c-0.8-0.2-1.3 0-1.7 0.4C8.4 10 8.6 10.7 9 11.1 l0.7 0.7c0.8 0.9 1.3 1.7 1.1 2.7c-0.3 1.6-2.1 2.8-4.3 2.1c-1.9-0.6-2.2-1.9-2-2.7c0.2-0.6 0.7-0.8 1.2-0.6 c0.5 0.2 0.7 0.8 0.6 1.3c0 0.1 0 0.1-0.1 0.3C6 15 5.9 15.2 5.9 15.3c-0.1 0.4 0.4 0.7 0.8 0.8c0.8 0.3 1.7-0.2 1.9-0.9 c0.2-0.6-0.2-1.1-0.4-1.2l-0.8-0.9c-0.4-0.4-1.2-1.5-0.8-2.8c0.2-0.5 0.5-1 0.9-1.4c1-0.7 2-0.8 3-0.6c1.3 0.4 1.9 1.2 2.8 1.9 c0.5-1.3 1.1-2.6 2-3.8c0.9-1 2-1.7 3.3-1.8C20 4.8 21 5.4 21 6.3C21 6.7 20.8 7.5 20 7.5z"/></svg></div>\ An error occurred while loading the web debug toolbar. <a href="https\u003A\/\/www.staging.startplatz.de\/_profiler\/' + newToken + '">Open the web profiler.</a>\ </div>\ '; sfwdt.parentElement.setAttribute('class', 'sf-toolbar sf-error-toolbar'); } }, options ); return this; }, toggle: function(selector, elOn, elOff) { var tmp = elOn.style.display, el = document.getElementById(selector); elOn.style.display = elOff.style.display; elOff.style.display = tmp; if (el) { el.style.display = 'none' === tmp ? 'none' : 'block'; } return this; }, }; })(); } Sfjs.loadToolbar('ca69ac'); /*]]>*/</script></div><!-- END of Symfony Web Debug Toolbar -->\n
</body>\n
</html>\n
"""
#version: "1.1"
#statusCode: 200
#statusText: "OK"
#charset: "UTF-8"
-sentHeaders: ? array
} |