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.
In Germany, the Altersvorsorgedepot is set to replace the Riester-Rente on December 31st of this year. This successor scheme will not only benefit employees, but also self-employed individuals and civil servants starting from January 2027. These new opportunities are expected to generate a wave of sales activities among providers.
Niels Nauhauser, a team leader for finance at the consumer center Baden-Württemberg, predicts that especially high earners will receive attractive offers. Apart from the state subsidy, the Altersvorsorgedepot can also offer tax advantages, particularly for those who contribute significantly more than the maximum required for the subsidy.
Nauhauser believes that banks and financial service providers will leverage this tax benefit as a promotional tool to engage customers in discussions about the Altersvorsorgedepot in the coming months. Many interested individuals need to familiarize themselves with the various models to determine which ones are suitable and worthwhile.
Written by urgent.news from Handelsblatt's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
