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.
München – The successor to the Riester pension scheme, known as Altersvorsorge, becomes available from December 31 of the current year. Unlike the Riester pension, this new option is open not only to employees but also to self-employed individuals and public servants starting January 2027. Experts predict that this development will trigger a wave of sales efforts among pension providers.
Niels Nauhauser, head of finance at the consumer center Verbraucherzentrale Baden-Württemberg, anticipates that "primarily high earners will receive attractive offers." The Altersvorsorgedepot may also provide tax advantages, especially for those who contribute significantly more than the maximum required for the existing subsidy.
Banks and financial service providers are expected to leverage the tax benefits as a magnet to engage customers in discussions about the Altersvorsorgedepot in the coming months. It is crucial for interested individuals to familiarize themselves with the various models and determine which ones are 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.
