Pension & old-age provision

“Financial test”: Who benefits from the Riester pension

Summary

The Riester pension does not have a good reputation. But viewed soberly, it is worthwhile for many – at least that’s what the experts at Stiftung Warentest think. The prerequisite: insured persons choose the right contract and take full advantage […]

The Riester pension does not have a good reputation. But viewed soberly, it is worthwhile for many – at least that’s what the experts at Stiftung Warentest think. The prerequisite: insured persons choose the right contract and take full advantage of the state subsidies.

Expensive and not very profitable – these are just two of the criticisms of the Riester pension. Nevertheless, this form of old-age provision can be worthwhile for consumers. Because from the perspective of Stiftung Warentest, Riestern has a decisive advantage: There are state allowances and tax savings. In times of low interest rates, that alone can generate returns.

The catch: It is not easy to find good offers, according to the magazine “Finanztest” (issue 10/2017). Insurers and banks hardly offer classic Riester pension insurance or bank savings plans anymore. It looks better with the Riester fund savings plans and fund policies – these offer the highest income opportunities.

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