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 […]
Artikel zum Thema: Rürup
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 […]
How insurers’ lies harm small and medium-sized businesses by the millions
New ruling by the Federal Court of Justice (BGH): Attachment of Rürup pension possible at any time Insolvency security of the basic or Rürup pension? 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 […]
Saving over time
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 […]
Riester, Rürup, company pension schemes
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 […]
New BGH ruling: savings for basic pension must be used before Hartz-IV
A basic pension, also known as a Rürup pension, must be terminated in the event of an emergency Emergencies abound in a person’s life, such as when a welfare application is imminent. The question of whether a plaintiff is entitled to legal aid under the poor law is also assessed according to the same […]
New BGH ruling: savings for basic pension must be used before Hartz-IV
A basic pension, also known as a Rürup pension, must be terminated in the event of an emergency Emergencies abound in a person’s life, such as when a welfare application is imminent. The question of whether a plaintiff is entitled to legal aid under the poor law is also assessed according to the same […]
The savings balance for a basic pension must be realized before Hartz-IV
The Federal Court of Justice unmasks the insurance industry’s sales fairy tales Emergencies abound in a person’s life, such as when a welfare application is imminent. The question of whether a plaintiff is entitled to legal aid under the poor law is also assessed according to the same standards. This is governed by § 90 […]
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 […]
No, Mr. Customer: Your money isn’t gone – it’s just gone to someone else!
A Rürup pension cannot be inherited, given away, sold or lent. Those who have debts, on the other hand, risk beingss creditor seize and exploit the accumulated Rürup assets before retirement. And if the state would have to pay, for example, Hartz IV or court cost assistance, it can refuse this because of the […]