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 Altersvorsorge (pension savings) facility is set to replace the Riester-Rente, the state government's retirement scheme, on December 31st of this year. Starting January 2027, the successor plan will not only benefit employees but also self-employed individuals and civil servants who can take advantage of state support.
According to Niels Nauhauser, Team Leader of Finance at Baden-Württemberg's Consumer Center, this development could trigger a wave of marketing efforts by pension providers. Nauhauser predicts that "especially high earners will receive attractive offers" as the Altersvorsorge facility offers tax advantages beyond the standard support program.
Particularly those who contribute more than required for maximum support may find financial benefits. Nauhauser believes that many banks and financial service providers will leverage the tax advantage as a hook to engage clients about the Altersvorsorge in the coming months. Individuals interested in these pensions will need to familiarize themselves with the various models to determine which ones are suitable 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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