{
  "id": 17230333,
  "title": "Retirement Provision: How the Riester Successor Can Be Worth It for High Earners",
  "url": "https://urgent.news/2026/10/30/altersvorsorge-wie-sich-der-riester-nachfolger-fur-gutverdiener",
  "topic": "business",
  "section": "Business",
  "published": "2026-10-30T13:49:00.000Z",
  "source": {
    "name": "Handelsblatt",
    "slug": "handelsblatt",
    "url": "https://www.handelsblatt.com/finanzen/anlagestrategie/geldanlage-das-sollten-sparer-beim-altersvorsorgedepot-genau-pruefen/100222434.html"
  },
  "original_language": "de",
  "account": "The German government has passed a law introducing the \"Altersvorsorgedepot\", a new type of retirement savings account set to replace the Riester pension plan, which will end on December 31st of this year. From January 2027, not only employees but also self-employed individuals and civil servants will be eligible for state subsidies. The new scheme allows for annual contributions of up to €18,000, with the state adding 50 cents for every euro saved up to €360 and 25 cents for every euro saved between €361 and €1,800. Additionally, savers may benefit from tax advantages, particularly those with higher incomes, with potential tax refunds of up to €630 per year.",
  "summary": "More can be paid into the old-age pension depot than is necessary for the subsidy. In retirement, the tax rates are then low - but sometimes they are paid dearly.",
  "key_points": [
    "Der Riester-Nachfolger, eine Altersvorsorgelösung, startete am 31. Dezember 2022.",
    "Gutverdiener profitieren von Steuervorteilen, einschließlich Selbstständigen und Beamten.",
    "Bis zu 540 Euro jährliche Förderung möglich, abhängig von Einkommen und Einkommenssteuersatz."
  ],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}