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 Altersvorsorgedepot has been established, with the Riester pension ending on December 31 of the current year. Starting January 2027, not only employees but also self-employed individuals and civil servants can benefit from the state's support through the successor. Financial experts anticipate a wave of marketing from providers.
Niels Nauhauser, a team leader in finance at the Baden-Württemberg Consumer Center, believes that high earners will receive special offers, as the Altersvorsorgedepot can also offer tax advantages beyond the maximum support level. Financial experts like Michael Huber from the VZ Vermögenszentrum expect the annual refund to increase to 630 euros for those earning a high monthly income.
Saver's can accumulate a total of over 1.3 million euros in 30 years with a 6.5% return after costs. The Altersvorsorgedepot allows for tax-free repositioning of funds, both for the subsidized and non-subsidized amounts. Upon withdrawal, only 30% of the subsidized part can be taken without taxation, with the rest required to be paid out as a pension or invested in a lifetime annuity.
Written by urgent.news from Handelsblatt's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
