Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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Balancing Competitive Exams with Class 12 Board test Preparation: 8 Sure-fire Tips for Success

Board Exams Preparation 2024: Balancing Class 12 board exams with competitive examinations is a quite challenging task as both demand focused attention, relentless practice, and an unflinching spirit of students. Making a mistake in either of these can lead to shattered dreams and a lot of stress. Yet, countless students walk this challenging pathway every year, fueled by ambition, strategic planning, and unwavering determination. This journey is no cakewalk, but with the right approach, it can be conquered, leaving in its wake not just good scores, but also personal growth and invaluable resilience.The competitive exams, ranging from engineering and medical entrance tests to national-level aptitude exams, demand a specialised focus, while the Class 12 board exams serve as the cornerstone for admission into undergraduate programs across disciplines.So, buckle up! This article will help you with strategies to navigate this academic tightrope, helping you not only excel in both exams but also emerge on the other side, successfully. Here are the 8 tips to help you strike a balance in competitive exams with Class 12 board test preparation:Follow a Realistic ScheduleDevelop a comprehensive timetable that allocates time for both board exams and competitive test preparation. Prioritise subjects based on the test schedule and your proficiency in each.Understand test PatternsAnalyse the syllabus and test patterns of both the board exams and competitive exams. Identify common courses and focus on mastering them to save time and effort.Effective Time ManagementAllocate specific time slots for each subject and stick to the schedule. Break down your study sessions into smaller, focused segments with breaks in between to maintain concentration. Stay OrganisedKeep your study materials, notes, and resources well-organised. Maintain a separate folder or notebook for each subject to avoid confusion.Utilise Weekends and HolidaysMake the most of weekends and holidays for in-depth study sessions. Use this time to revise, solve practice papers, and clarify doubts.Prioritise Weak AreasIdentify your weak areas in both board and competitive test subjects. Allocate more time to subjects or courses where you need improvement.Practice RegularlyRegular practice is crucial for success in both types of exams. Solve demo papers, and previous year's question papers, and participate in mock tests for the competitive exams to enhance your problem-solving skills.Take Regular BreaksAvoid burnout by taking short breaks during study sessions. Engage in activities that help you relax and recharge, such as a short walk, listening to music, or practicing deep breathing exercises.

Are you ready financially for a new year? Here’s how to set yourself up for success in 2024.

The end of the year is a great time to look back on what you’ve accomplished and set goals for the year to come. One area you should not overlook is your finances.

In fact, reviewing your finances now and acting before the end of the year can empower you to start 2024 off strong — and save some money in the process.

Start by taking a close look at your income, expenses and debt. Really taking the time to review your finances gives you a clear picture of where you stand and helps you identify areas for improvement.

“Think of an end-of-year financial audit as a ‘financial health checkup’ to make sure you are still on pace with your plan,” says Sean Lovison, a Certified Financial Planner and founder of Purpose Built Financial Services in Moorestown, New Jersey. “It’s all about taking stock of what’s coming in, what’s going out and how your savings and investments are shaping up.”

Plus: Heads up investors: Capital-gains tax rules for 2024 are here

Are you on the right path?

Once you know where you’re at, you can start setting goals for the year ahead. This is an essential way to stay motivated and focused.

Take some time to reflect on what you want to achieve financially in 2024. Do you want to save a certain amount, pay off debts or invest in your future? Think about short-term goals, like building an emergency fund, and long-term goals, like saving for retirement.

“Whether setting a short- or long-term goal, you need to be specific to make the goal ‘real.’ Instead of ‘I need to save more for retirement,’ try ‘I want to max out my 401(k) this year,’” says Christopher Lazzaro, a Certified Financial Planner and founder of Plan for It Financial in Swampscott, Massachusetts. “The key to achieving financial goals is to establish saving and investing as a habit,” he adds. “If you automate the habit, it becomes that much easier and more powerful.”

Also see: Want great investing returns without great risk? It’s possible if you do these two things.

Achieving your financial goals in 2024

Here are some money moves to make now to set yourself up for success in 2024.

1. Make some last-minute tax moves. There are a few things you can do now to reduce your tax bill in 2024.

If you haven’t maxed out your contributions to your retirement accounts, now is the time to do so. The contribution limit on 401(k) plans is $22,500, rising to $23,000 next year. IRA contributions are capped at $6,500 this year and $7,000 in 2024. If you’re 50 or older, you can make additional “catch-up” contributions — $7,500 for 401(k) accounts and $1,000 for IRAs in both 2023 and 2024.

Contributions to retirement accounts are, with one exception, tax deferred. You will not have to pay taxes on the money before you add it to your savings; instead, you will pay income tax on funds as you withdraw them as a retiree and you will likely be in a lower tax bracket. The exception to this are Roth IRAs, which require you to pay taxes on your retirement contributions now but let you avoid taxes on the long-term capital gains and corporate dividends when you withdraw funds.

There are other last-minute moves you can make to lower your tax bill. If you’re considering making any charitable donations in the near future, doing so before the year ends can provide deductions that may reduce your taxable income.

The same is true for healthcare expenses: If you have a health-savings account (HSA), you can make contributions up until the tax filing deadline and enjoy tax-free growth and withdrawals for qualified medical expenses.

See: Your HSA can be an extra retirement savings

2. Reassess that retirement plan. Life is constantly changing, so it’s important to make sure your goals and strategy are aligned, especially as you approach retirement.

Has anything changed over the past year? Maybe you want to retire earlier, or you received a windfall that you want to put toward your savings. Review the investments in your retirement savings accounts to see if they are performing as expected. This will help you determine whether you need to make any adjustments.

Once you’ve reviewed your retirement plan and adjusted your strategy to meet your new goals, make sure you’re maximizing your contributions to your 401(k), IRA and any other tax-advantaged retirement plan. Take advantages of any employer match that’s offered — you’re leaving money on the table if you don’t.

Aim to set aside a percentage of your income for retirement. If you’re looking to diversify your retirement savings, consider moving some of it to certificates of deposit. These fixed-income accounts pay higher interest rates than other savings plans but require you to lock up your money for a set period (if you withdraw your money early, you’ll pay a fee). CD rates have risen to levels last seen more than a decade ago, making them a tempting option to grow your money risk-free.

Also see: Can you really save on taxes with year-end moves like making an extra mortgage payment?

3. Prepare your investment portfolio. Recent market volatility, accelerating inflation, and forecasts of slower economic growth may leave you feeling uneasy about your investments. This is especially true if retirement is approaching and you need to start withdrawing from your retirement accounts before markets bounce back. But rather than reacting to short-term fluctuations, focus on building a diversified portfolio that aligns with your risk tolerance and financial goals.

Our risk tolerance tends to change as they age. The end of the year is an ideal time to reassess how comfortable you are with your current level of risk. Are you willing to take on more risk for potentially higher returns, or would you prefer a more conservative approach? A typical portfolio has a 60/40 allocation: 60% to stocks and 40% to bonds. Depending on your goals, that may not be the best allocation for you.

“The last three years have been challenging for bonds, so year-end may be an opportune time to rebalance your target allocations,” says Lazzaro.

Stick to a schedule

Advisers generally recommend rebalancing your portfolio on a regular schedule rather than trying to time the markets by guessing when they are poised to make significant moves up or down.

“Rebalancing should be done at the same time every year and not based on if you ‘feel like it’s the right time,’” says Lovison. “If you aren’t doing it on a regular basis, you are trying to market time, which has been proven to not work.”

Diversification is the key to reducing risk. Review your portfolio to ensure it is well-diversified across different asset classes, such as stocks, bonds and real estate. This can help protect against the ups and downs of any single investment.

If you’re panic about stock market volatility, consider adding some defensive assets to your portfolio, such as bonds or dividend-paying stocks, to provide stability during uncertain times. These assets can act as a cushion during market downturns while still generating income.

4. Review your insurance coverage. As you age, your insurance needs may change. You might have new health concerns, new assets to protect or different financial goals. Reviewing your coverage ensures you have the proper protection for your current situation.

Your review should include health insurance as well as auto insurance and homeowners’ coverage. Make sure your health insurance adequately covers your evolving medical needs and includes provisions for prescription drugs, regular checkups and hospital stays.

This may be a good time to start thinking about long-term-care insurance. Although it might seem unnecessary now, having coverage for potential future healthcare needs can save you from unexpected financial strain down the road.

5. Consider a legacy plan. While it may not be the most pleasant syllabu to discuss, planning for your legacy is essential, especially as you approach retirement.

Drafting and updating wills, trusts and other estate documents can accelerate the distribution of your unspent retirement savings, life insurance benefits and other assets according to your wishes. Consider consulting an estate lawyer to help you navigate estate laws’ complexities and ensure that your plan is solid.

Read: Are you taking an RMD? 10 smart things you can use it for right now.

Starting next year strong

While combing through your budget and reviewing your investments isn’t the most exciting way to spend the holiday season, it can make a huge difference for next year’s finances. The more you know about your situation, the better equipped you’ll be to make informed decisions about your money.

Make sure to continue to track your progress throughout the year. Regularly review your finances, assess your goals, and adjust as needed. Celebrate your achievements, and don’t be too hard on yourself if you encounter setbacks. Financial success is a journey, and it requires patience and perseverance.

Hanna Horvath is a Certified Financial Planner and financial journalist, helping make complex financial courses engaging and easy to understand. Her work has appeared in Bankrate, USA Today, Policygenius, Business Insider, Lemonade, NBC News, Inc Magazine and more. 

This article is reprinted by permission from NextAvenue.org, ©2023 Twin Cities Public Television, Inc. All rights reserved.

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Warum sind Cyberrisiken so schwer greifbar?

Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

Nicht kriminelle Ursachen

Höhere Gewalt

Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

Menschliches Versagen/Fehlverhalten

Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

Technisches Versagen

Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

Kriminelle Ursachen


Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

Physischer Angriff

Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.


Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:


  • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
  • Krisenkommunikation / PR-Maßnahmen
  • Systemverbesserungen nach einer Cyber-Attacke
  • Aufwendungen vor Eintritt des Versicherungsfalls

Cyber-Drittschäden (Haftpflicht):

  • Befriedigung oder Abwehr von Ansprüchen Dritter
  • Rechtswidrige elektronische Kommunikation
  • Ansprüche der E-Payment-Serviceprovider
  • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
  • Vertragliche Schadenersatzansprüche
  • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
  • Rechtsverteidigungskosten


  • Betriebsunterbrechung
  • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
  • Mehrkosten
  • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
  • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
  • Cyber-Erpressung
  • Entschädigung mit Strafcharakter/Bußgeld
  • Ersatz-IT-Hardware
  • Cyber-Betrug