The Riester pension is a good way to provide privately for the age. Berlin, 20.09.2011 – after great difficulties since the proclamation of the State certification and promotion of private pension schemes with the so-called “Riester pension”, this has now mutated into a bestseller. This is not without reason as: the certified contracts guarantee the retirement of the paid amounts not only to 100%, but are very financially attractive through government allowances, tax deductibility, and – depending on the type of investment – different yield potential. The prospective buyer should check but carefully before deciding on a specific provider requirements and opportunities, to find the best possible solution inpiduelle. What characterizes the Riester pension? The Riester pension is a pension insurance, which is offered through certified providers in different variants of pension must workers and civil servants or even military service providers end. Basically can also spouse under certain Conditions benefit from the funding and any special deductions. The promotions at a Riester pension amounting to 154 euros annually for savers plus 185 euros allowance for each child (prerequisite: there is a child benefit claim), for children with birth year 2008 or later even 300 euros.
Condition is a whole year deposit (however max 2.100 euros eligible amount) of at least 4% of the gross income of the previous year. Be less amounts paid, only a pro rata funding is provided. Base amounts for unemployed persons or persons on parental leave, among others. The savings assets within the Riester pension contract is secure attachment and is also not on any Hartz IV references count. Since retirement as pension product the pension situation should improve the Riester, the contractor can take the savings amount not damage-free (i.e. not without repayment of funding and might use tax benefits) before the retirement age or the contractually agreed age limit. Basically the payout may be at the earliest with the 60th birthday – and as a lifetime supplementary pension.