{
  "id": 19507898,
  "title": "Retirement provision: How the Riester successor can be worthwhile for high earners",
  "url": "https://urgent.news/2026/11/11/altersvorsorge-wie-sich-der-riester-nachfolger-fur-gutverdiener",
  "topic": "business",
  "section": "Business",
  "published": "2026-11-11T14:42:00.000Z",
  "source": {
    "name": "Handelsblatt",
    "slug": "handelsblatt",
    "url": "https://www.handelsblatt.com/finanzen/anlagestrategie/geldanlage-wie-sich-der-riester-nachfolger-fuer-gutverdiener-lohnen-kann/100222434.html"
  },
  "original_language": "de",
  "account": "The German government has approved the \"Altersvorsorgedepot\" (old-age provision depot), which will replace the Riester pension on December 31st of this year. From January 2027, not only employees but also self-employed individuals and civil servants will be able to benefit from state subsidies. The new scheme allows for a maximum annual contribution of €1,800 to receive a state subsidy of up to €540. Additionally, contributions exceeding the maximum subsidy can be made, with potential tax benefits, and up to €6,840 can be invested in two separate contracts.",
  "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": [
    "Altersvorsorge successor benefits high earners from Jan 1, 2027",
    "Offers state support and tax advantages for significant contributions",
    "Up to 443 euros tax saving for high earners with 50% income"
  ],
  "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."
}