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.
As of December 31st of this year, the pension savings account, Altersvorsorge, will succeed the Riester pension scheme. This change means that not only employees but also self-employed individuals and civil servants will be able to benefit from state support beginning in January 2027. Financial experts anticipate that this shift will trigger a wave of promotional activities among pension providers.
Niels Nauhauser, a team leader at the Baden-Württemberg Consumer Center, expects that "especially high earners will receive offers." This is because, in addition to the state support, the Altersvorsorge can also provide tax advantages, particularly for those who contribute significantly more than the maximum required for the state subsidy.
Nauhauser believes that many banks and financial service providers will leverage this tax benefit as a lure to engage clients with information about the Altersvorsorge in the coming months. For interested individuals, it is important to familiarize themselves with the various models available 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.
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