Doctor Thompson: ‘large families win!’ Still, the State puts on it cash, if the Germans contracted private pension developed specifically for this purpose. Many compulsory members of the statutory pension insurance and their spouses have this possibility, if they are assessed tax together. To be entitled to the full State funding, the saver pays four percent of his gross salary in a private pension contract. The State pays a basic allowance of 154 euros and the allowance for each child from 185 euros a year (for each child born from 2008 300 Euro per year). Additional tax benefits wave depending on the income.
“Thus the winners of the so-called Riester pensions are already: large families with a relatively low income”, as Birgit Thompson, Agency Manager for Deutsche Asset Management. You get significantly more than half of their entire savings power from the State to the part. To get the highest State funding, have a family with two children, a Annual income of 20,000 euros and an insurance for example annually only 122 euros even spend every year rate the high edge to put on a total of 800 euros. The gift from Uncle Sam is 678, and the year after year. Also singles and childless couples will benefit from the pension scheme.
You get while no allowance, cash but at least 154 euros per year and person of the State. Everyone should take these advantages”, advises Thompson. Because the funded pension scheme in any case in a lifelong pension flows, it serves mainly the long-term basic coverage for the age. Young people should engage as soon as possible such a treaty, to maximize the effect of compound interest. But the variety of financial and insurance products, countless vendors and the new regulations it hard the vast majority, to be able to gain a real overview and estimate the long-term consequences. The kareng accounting offers the solution: it is the Local people with professional advice and personal commitment to the page to request after hours or on the weekend. For the independent accounting it is clear: who supplies tailored to his personal life situation will be, should get better advice from experts. “And in the customer talks Birgit Thompson remembers back downwind: an individually crafted overall concept with concrete, meaningful co-ordinated measures and a fixed personal advisor for all matters, that’s what the vast majority want!”