{
  "id": 1870709,
  "title": "Altersvorsorge: Auch ohne „Rente mit 63“: So sichern Sie sich den frühen Ruhestand",
  "url": "https://urgent.news/2026/08/19/altersvorsorge-auch-ohne-rente-mit-63-so-sichern-sie-sich-den-fruhen",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-19T05:09:00.000Z",
  "source": {
    "name": "Handelsblatt",
    "slug": "handelsblatt",
    "url": "https://www.handelsblatt.com/finanzen/vorsorge/altersvorsorge-sparen/rente-mit-63-so-ermoeglichen-sie-sich-einen-fruehen-ruhestand/100246611.html"
  },
  "original_language": "de",
  "account": "The \"Altersrente\" or early retirement scheme, which allows people to retire at 63 without losing out, is a hot topic despite the debates dying down politically. Michael Huber, a pension planner and Germany chief at VZ Vermögenszentrums, reports that the desire for a life beyond work obligations drives many Germans. Huber notes that particularly well-positioned employees have a strong desire to leave their jobs early. Some companies use severance programs to encourage this trend. Huber and two other experts explain the two ways to secure early retirement, along with pitfalls early retirees should be aware of. Introduced in July 2014 by then-Bundesarbeitsministerin Andrea Nahles, the Altersrente aims to enable people who have contributed to the statutory pension insurance for 45 years to retire early without deductions. However, it is also open to those who have only 35 years of insurance by the age of 63, with contributions counting as years of insurance. This group faces reductions in the monthly pension, with a reduction of 0.3 percent per month for retiring early. The reduction can amount to up to 14.4 percent. For those who want to know the exact amount of their early retirement, they must request a statement from the German Pension Insurance. The pension for an early retirement at 63 is calculated based on the entitlement that has been accumulated up to the 63rd birthday. Gundula Sennewald from the German Pension Insurance explains that this fictitious pension is calculated upon request. Huber recommends requesting a statement from the pension insurance to ensure that all pension points are considered. Using the example of a gross income of 8,450 Euros, Huber and his colleagues calculated that a person working for 35 years would be entitled to a pension of 2,733 Euros at age 63. If the person continues to work until 67 and contributes to the pension insurance, the monthly pension would be 3,059 Euros. If the person retires at 63, the 2733 Euros would be reduced by 14.4 percent, resulting in a pension of 2,339 Euros per month. To cover the shortfall of 394 Euros, there are two options. The first option is to buy pension points before retirement, but only up to the age of 50. The second option is to fill the gap on one's own. The pensioner needs to estimate how long they will need the additional money and increase it by 2.5 percent each year to account for inflation.",
  "summary": "Die abschlagsfreie Frührente soll zwar gestrichen werden. Dennoch können sich viele Menschen den Traum vom frühen Ruhestand ohne Geldsorgen erfüllen. Experten erklären, wie es geht.",
  "key_points": [],
  "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."
}