Already promoted Riester fortune is not to be used for legal aid – other life insurances already

– Why life insurance is only protected for a subsistence level in old age? –   There is absolutely no apparent reason for the legislator to pursue income protection in old age above the level of basic income support as a political goal. The state’s sole aim is to ensure that, as a result of […]

Riester returns are far more rewarding for higher earners than for lower earners

– Which is why this also applies to the statutory pension as well as private pension insurances -.   A study by the Free University of Berlin dated 15 June 2015 describes the distribution effects of old-age pensions on different population groups. On the other hand, an expert of the Deutsche Rentenversicherung Bund (DRV) thinks […]

Riester pension via LBS inadequate advice

We were attended to quickly and very pleasantly. Just the name of Mr. Mentioning Fiala got the leadership moving. What seemed impossible before representation has become a thing of the past. It didn’t even happen that Mr. Fiala actually had to pick up the pen. Admittedly an ideal case, but nevertheless without the possibility of […]

Empty state guarantee: Why the Riester pension is not safe

On Sunday, 05.10.2008, the Chancellor said “We tell savers that their deposits are safe. The federal government is also responsible for this.” – For lack of a legal basis, this is not a declaration of guarantee but, correctly understood, a political declaration of intent. On Sunday, 24.04.2016, a Labour Minister will be quoted as saying […]

Federal Supreme Court: Riester contracts are unseizable – or partially or completely seizable.

When the insolvency administrator gets some Riester assets – The Federal Court of Justice (BGH, ruling of 16 November 2017, file no. IX ZR 21/17) decided that § 851 I of the Code of Civil Procedure (ZPO) in conjunction with § 97 I of the Income Tax Act (EStG) order the non-transferability of the Riester […]

Is the Riester pension really safe?

If the Federal Council does not yet apply the emergency brake, the Occupational Pensions Reinforcement Act will enter into force on 1 January 2018. In this context, the Riester pension will also be upgraded. During the savings phase, the basic allowance increases from 154 to 175 euros per year. For company Riester pensions, the SV […]

Riester savers work to the benefit of creditors, insolvency administrators and social security funds in case of doubt

Contracts usually distrainable – contrary to the advertising of providers Financial houses, i.e. banks and insurance companies, and their lobbying associations claim in their advertising and in the training documents for their advisers and agents that the assets saved in Riester contracts cannot be seized. The opposite is true, as evidenced by a ruling of […]

Riester pensions can be attached

The law only protects contributions that are actually subsidized. Overpaid contributions are not included. financial institutions in the training material for their advisers and agents that the assets saved in Riester contracts cannot be seized. The opposite is true, as evidenced by a ruling of the Munich District Court dated 12.12.2011 (Case No. 273 C […]

As a rule, Riester contracts can be seized – contrary to the usual belief of financial institutions.

– Why Riester savers save for creditors, insolvency administration and social security funds in case of doubt –   “We saw a light at the end of the tunnel. It was the oncoming intercity.”   Financial houses, i.e. banks and insurance companies, and their lobbying associations claim in their advertising and in the training documents […]

Riester, Rürup, company pension schemes

What changes in 2012   Riester savers From 2012 onwards, Riester savers will be obliged to contribute a minimum amount of 5 euros per month if they wish to continue receiving allowances and tax benefits in 2012. This means that those non-contributory contracts for which only state allowances are paid in – but no personal […]