Rürup Rente, also known as Basisrente, is a private pension scheme in Germany primarily designed for self-employed individuals and high-income earners. It gives you one major advantage: a substantial tax break when investing money for your retirements. The options how to do it are plentiful and need to fit you and your living situation.
Betriebliche Altersvorsorge (company pension scheme) is a retirement savings programme offered by employers in Germany. One of the best ways to save money for retirement as an employee as you not only get a tax break from the government, but your employer has to always add money to whatever you are paying into such a plan. Highly recommended and easily implemented.
If the Basisrente or other subsidies plans are not to your liking and you do not want to invest money with your own hands, a private pension insurance might be the perfect solution. You get the expertise from experiences insurance companies yet the flexibility of your own depot.
The Altersvorsorgedepot (retirement savings accountdepot) is the new state-subsidised private pension product that replaces Riester from 2027. The fundamental shift: instead of paying into a traditional insurance-style pension plan, you can invest directly in ETFs and funds.
Riester Rente Riester-Rente is a type of private pension scheme in Germany that encourages individuals to save for retirement by offering tax advantages and government subsidies and enables to build up a retirement fund to supplement your statutory pension.
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