– Which disadvantages even the new occupational pension scheme (bAV) does not eliminate – Both the Federal Ministry of Labour and Social Affairs (BAMS) and the Federal Ministry of Finance (BMF) are currently interested in improving occupational pension schemes (bAV). On the one hand, there is the concept of a “new” implementation route via […]
The basic pension is sold by the millions as a tax-saving model. Where documentation is provided at all, however, it is not uncommon for it to lack references to tax burdens in old age, which are precisely when the standard of living is noticeably lowered. This year, up to 22,766.40 euros in contributions can be […]
“The safest thing about the state pension is the pension gap.” (André Kostolany) If we compare the prospects of past and present pensioners with those of future generations of pensioners, we find that over the decades the legislator has roughly halved the provision via the German Pension Insurance Federation (DRV) in relation to the last […]
If a private health insurance policy is taken out, or later changed around five times in a lifetime, the intermediary receives remuneration of around 8 times the monthly premium each time – in the past it could well be double what an insurance company paid for a new customer. It is commonly said that private […]
If a private health insurance policy is taken out, or later changed around five times in a lifetime, the intermediary receives remuneration of around 8 times the monthly premium each time – in the past it could well be double what an insurance company paid for a new customer. It is commonly said that private […]
Why the self-employed are often barred the way to low-cost health insurance in old age Self-employed people are lured away from statutory health insurance at a young age with reference to the lower contributions of private health insurance (PKV). Only with a lot of luck they do not find out only in old age […]
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. The following are thus abolished for spouses who are not gainfully employed and who are indirectly entitled to the allowance non-contributory contracts where only […]
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 […]
Since 1 January 2002, all employees subject to pension insurance have the right to deferred compensation within the framework of a company pension scheme (bAV). Practically every employer must therefore deal with this issue in his own interest and in the interest of his employees and look for ways of implementing it in the best […]
Rudolf Becker and Johannes Fiala More than ever, every German citizen is responsible for his or her own retirement provision. The benefits provided by the statutory pension are no longer nearly sufficient to maintain the accustomed standard of living in retirement. Even the Retirement Assets Act (AVmG) passed on 11.05.2001 is only an inadequate way […]
