In 2002, the so-called Retirement Savings Act into force, which was at that time by the then Minister of Labour and Social Affairs, Mr Walter Riester introduced.
To assess the contribution to statutory pension insurance not to have to increase further, and thus to be simultaneously rising wage costs (a threat to the jobs that this will always be more expensive), has The federal government first decided to pay the citizens to build or supplement his Altersvorsorgung uncommitted grants.
The private pension with a guarantee, in the vernacular soon " Riester pension ", was born.
But since not contributing to public pension could be adjusted as necessary, it followed the same time a reduction in pension benefits for the insured. On average, this reduction is 10% compared to the vesting date under the Act.
Simplified saying, the Riester pension allows the citizen to absorb the newly established pension reduction using state funding to make up often and sometimes even more than compensate. Yet another way: for those who takes his retirement seriously, the Riester pension (and the Rürup pension - see that post), no alternative but a must!
Dear reader, you should therefore have taken in any form (life insurance and pension, mutual fund savings plan, etc. ..) so far traveled care, then you can not convince themselves that in favor of a geförderteten Riester pensions Treaty cancel. you need both!
Now back to the question asked: How does shoe uppers?
The citizen pays 4% of the insured income of the previous year in a certified criteria for Riester contract. In the approach, the social security income to gross income of the employee are considered equal. The amount thus calculated is called the gross contribution (max. 2.100, - € per year), then the set of the subsidies are removed. It is the net contribution, that is the contribution that should be applied in fact by the policyholder. special case: If married savers and the partner is not employed or self, so that partner will also receive an allowance in a separate contract, without his having to pay their own contributions must be (So-called indirect allowances ability !)
following allowances are included in the contract :
- basic allowance: 154, - € per year
- Children's allowance: 185, - € per year per child (if the child allowance is paid!) For children born after 01.01.2008 raised € - were born, this allowance was to even 300.
These allowances will flow directly into the selected Investment. is
The tax return also automatically reviewed by the tax office, if the gross contribution to a tax saving, which is higher than the sum of all allowances received. If this is the case, then the saver, the difference paid. Would lower the tax savings, there is no charge-back: the allowances are paid in each case in the contract!
fall during the savings phase not pay taxes. The later paid the pension is then subject to taxation (deferred taxation)
Here are two examples (The calculation was, as usual, created the Dr. Kriebel consulting computer):
first A family with two children (born in 2008 and 2009), the wife is not working, the family income is 30,000, - € per year in the national average. The gross amount is accordingly at 30,000 € * 4% = 1.200, - € per year.
with 292, - € own contribution come for this family 1.200, - € in the contracts. This corresponds to an initial allowance rate of 411% (for a saved € € 4.11, the national government to !!!!) second A single person with 60.000, - € gross annual income. Here, the gross saving rate is 60.000, - € * 4% = 2.400, - €, however max. 2.100, - €. With him, however, be joined by high tax-saving effects.
more examples, see here . information eligible persons you get here . Calculate 'd like to submit, how high your personal allowances and your own savings would share.
Since 2008, the product range to include the so-called Home Pensions ( home Pensions Act ) expanded. The principle in brief: the allowances to flow in a building society (savings and / or loan phase) or into a mortgage loan, rather than being in a pension fund or savings plan. Since - as with the conventional shoe uppers - no pension is formed that can be taxed, and principal payments will be for the purchase of dwellings taken from funds on a fictional account "created", with 2% interest until retirement and then taxed.
This model, however, has for its purpose limitation and his hooks and eyes. As always, the first accurate needs assessment, and then the "diagnosis", read: which model is suitable for whom?
Home Pensions in the News:
living Riester: saving model with pitfalls
The gift that nobody wants
living Riester threatens to flop be
living Riester is the first choice
Real Estate - For whom is worth living Riester .
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