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 […]
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/
– 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 […]
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 […]
For more than 10 years, the yields of life insurance policies have been suffering from the low capital market interest rates. As a result, reductions of up to more than 30 % compared to the expectations raised until the turn of the millennium are the rule. However, customers with terminated or expired policies have been […]
Cancellation of valuation reserves Topic after the Bundestag elections / Losses of up to more than 15 percent For more than ten years, life insurance returns have suffered from low capital market interest rates. As a result, reductions of up to more than 30 percent compared to the expectations that were still being raised […]
Total loss in the case of partial retirement, working time accounts and pension commitments How directors, other officers, or self-employed agents completely lose their retirement benefits due to ineffective trust models. The business model of renowned corporate consultants for occupational pension schemes (bAV) includes the provision of the reinsurance assets by means of a […]
The state allows up to 20,000 euros per person and assessment year to be partially deducted as special expenses for tax purposes in the case of private old-age provision through basic pension contracts. The prerequisite for this is, for example, that an exclusion of realisation is contractually agreed. This is intended to guarantee the insolvency […]
After Riester and Rürup products for additional private old-age provision initially failed to sell, tax-saving effects and sales commissions were increased. Since then, more than ten million such contracts have been sold, most of which would not be profitable at all without the tax effect. However, more than one million such contracts have since been […]
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 […]
