– Why average earners only have prospects of receiving a basic security pension – Anyone who is employed as a worker with a continuous income until the age of 67 can expect to receive a net pension amounting to 50% of their last net income when they retire in the not too distant future. […]
Artikel zum Thema: Minimum subsistence level
Old-age poverty: European countries expropriate pension savers
– How political decisions lead to impoverishment – Poverty in old age is increasingly being taken up by the media as an issue. However, this phenomenon is homemade, and it seems to have even been accepted. After all, it has been ongoing political decisions for more than 20 years that have reduced the statutory […]
Pension: once “the yellow of the egg” – today expropriated
Pre-programmed old-age poverty despite additional private provision by those with compulsory insurance: Which is why even average earners have the best prospects of a basic pension. Anyone who is employed as an employee until the age of 67 with a continuous income can expect to receive a net pension amounting to 50 percent of […]
Errors in advice on the tax savings model for the Rürup pension
Why the mediation of the basic pension almost certainly leads to the liability of the intermediary. 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 […]
Federal Minister of Finance: saved Rürup capital can be seized
– only precaution on social assistance level may be protected from creditors – The sales market of the securitization of the Rürup capital For many years, insurance associations, insurers and the insurance sales force have been praising the Rüruprente in advertising brochures as a seizure-protected old age provision. Now, according to a new letter […]
No secure supply
Why Rürup pensions are not protected against insolvency / Neither protected against seizure nor suitable for old-age provision 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 […]
Commentary: When private and occupational pensions cut provision
Survivors rub their eyes when the survivors’ pension of the German Pension Insurance (DRV) is reduced to zero after three months. Marriages entered into after 2002 or those where both spouses were born after 1962 are affected by this provision. In these cases, 40 percent of the additional net income is offset, i.e. deducted […]
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 […]