Save taxes with Rürup pension?

The Rürup pension was sold as a tax-saving model in which savings made by paying insurance premiums during the savings phase are naturally pre-calculated by the agent. However, if documentation has been prepared at all, it often lacks the disadvantages of tax burdens in old age. The misadvice will already be that in old age […]

The fairy tale of the unseizability of Rürup capital

The fact that not only the assets saved in a Rürup pension can be seized, but also the portion of the Riester credit balance which is not subsidized by the state, was already decided by the Regional Labour Court of Mainz (Az. 3 Sa 414/06) in a ruling of November 3, 2006 in the case […]

The Rürup pension – customers receive millions of false advices

Disadvantageous tax burden in old age is not mentioned The Rürup pension was sold millions of times as a tax-saving model. As a matter of course, savings by paying insurance premiums in the savings phase are then precalculated by the agent or broker. However, if documentation has been prepared at all, it often lacks the […]

Adviser against the Rürup pension

The Rürup pension as a private old-age provision for the self-employed celebrated its tenth anniversary in 2015. With increasing age of this product type, however, there is also increasing criticism of it.   published in procontra online (on 04.01.2016) Link: http://www.procontra-online.de/artikel/date/2016/01/berater-gegen-die-ruerup-rente/

Rürup pension causes increasing insolvencies in old age

– Why basic pensions are not protected against insolvency –   The Rürup pension is a typical tax-saving model. The seller’s trick is often to highlight the tax advantages at the beginning of the contract or in the savings phase, but to completely ignore the later risks of loss and tax burdens in the payout […]

Doctoral thesis confirms the infinitely high unseizability of Rüruprente or basic pension

– How lawyers and insurance intermediaries are liable for protection in the event of insolvency -.   Rürup annuities or basic annuities are in principle not inheritable by contract, as agreed with the insurer, nor can they be properly terminated, lent or sold, nor pledged. This requirement for tax deduction results from § 10 I […]

The Rürup fallacy

Why additional private provision is no guarantee of good care in old age   In Germany there are currently 2.5 million people in need of long-term care. About 70% are cared for at home. The benefits of the statutory long-term care insurance in Germany are mostly at the level of a partial cover insurance. Better […]

Rürup pension is attachable

The Rürup pension or private basis pension was considered so far as a seizure-safe age precaution. It is mainly used by the self-employed. However, on 01.12.2011, the Federal Court of Justice ruled that full attachment protection must not be given in order not to restrict the protection of creditors’ property. A contractually stipulated exclusion of […]

Dr. Johannes Fiala: Rüruprente can be seized and terminated

If the lecturer for civil law and insurance law at the Dual University of Baden-Württemberg, lawyer Dr. Johannes Fiala (53, photo – Dr. Fiala) from Munich, invites people to seminars where they learn how to secure their retirement provisions and assets from seizures, he usually expects specialist lawyer colleagues who advise entrepreneurs. “But almost no […]

Rürup pension: What financial advisors often forget to tell their clients

A Rürup pension cannot be inherited, given away, sold or lent. If you have debts, you risk creditors seizing the Rürup assets you have saved up before your pension starts. And if the state would have to pay Hartz IV or court cost assistance, it allows him to deny the Rürup assets and to refer […]