Private pension schemes and creditor protection

Book by Christian Wollmann § 4 The protection against seizure according to § 815 c ZPO   Link: or in  

Rürup is attachable!

Insurer associations, insurers and the insurance selling praise in advertising brochures for many years the Rürup pension as seizing-protected age precaution. Now this proves as bare marketing lie for the Kundenakquise – that is the opinion of Dr. Johannes Fiala and Dipl.- Math. Peter A. Schramm.   The Rürup pension (the so-called seizure-protected old-age provision […]

Rürup capital as a pension factor – new view “Only the welfare level is protected from creditors”.

A new letter of the Federal Minister of Finance clarifies that saved Rürup capital cannot be withdrawn from the access of creditors. This results in a fundamentally new discussion situation with the insurance providers. Red. The fact that not only saved assets in a Rürup pension can be seized, but also the non-state-subsidised part of […]


PRINCIPLES OF PROTECTION OF ASSETS Asset protection means strategically separating professional and private risks. Bankruptcies, legal disputes, creditors, but also the separation of private and professional partners and divorce are seen as threats to one’s own assets. For the wealthy problematic is the realization that the implementation “from a single source” is rarely to obtain […]

Company pension scheme (bAV) and working time account models (ZWK) – No asset protection in the event of insolvency of the company through trust/CTA models

*by Dr. Johannes Fiala, lawyer (Munich), mediator (Univ.), MBA Financial Services (Univ.Wales), MM (Univ.), certified financial and investment advisor (A.F.A.), EC expert (C.I.F.E.), lecturer for civil and insurance law (Univ. of Cooperative Education), banker ( and Peter A. Schramm, actuary DAV (Diethardt), graduate mathematician (Univ.), expert for actuarial mathematics, publicly appointed and sworn by the […]