Altersvorsorge: Wie sich der Riester-Nachfolger für Gutverdiener lohnen kann
In das Altersvorsorgedepot kann mehr eingezahlt werden, als für die Förderung notwendig ist. Im Ruhestand sind dann die Steuersätze niedrig – mitunter werden sie aber teuer bezahlt.
The successor to the Riester pension scheme, Altersvorsorge, will become available after the Riester pension ends on December 31 of the current year. Starting from January 2027, not only salaried employees but also self-employed individuals and civil servants will be able to benefit from the state funding. These new opportunities are expected to trigger a wave of sales by pension providers, according to Niels Nauhauser, the finance team leader at the Baden-Württemberg Consumer Center.
He anticipates that "especially high earners will receive offers." While the pension scheme does offer tax advantages beyond the funding threshold, the tax benefits become particularly significant for those who contribute more than the maximum required for the state support. Nauhauser believes that many banks and financial service providers will leverage the tax advantage as a lure to engage customers with the Altersvorsorgedepot in the coming months.
Therefore, interested individuals need to familiarize themselves with the various models to determine which ones are most beneficial for them.
Written by urgent.news from Handelsblatt's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
