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 – As of December 31 of this year, the Riester-Nachfolger, or successor to the Riester pension, will replace the existing Altersvorsorgedepot. Starting January 2027, not only employees but also self-employed individuals and civil servants may benefit from state subsidies through the new scheme. The potential for a wave of sales activity among providers is expected.
Niels Nauhauser, Team Leader Finance at the Verbraucherzentrale Baden-Württemberg, anticipates that "primarily high-earning individuals will receive offers," as there will be opportunities beyond the subsidy for additional tax benefits. This advantage is particularly relevant for those who contribute more than the necessary maximum for the subsidy.
Nauhauser believes that many banks and financial services will leverage the tax benefit as a lure to engage with their clients about the Altersvorsorgedepot in the coming months. For interested individuals, it is crucial to familiarize themselves with the various models available and understand 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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