Pension & Retirement

Basic Pension (Rürup)

Tax-advantaged retirement provision

Get to know the tax-advantaged Basic Pension, which gives you tax benefits and solid retirement provision.

Tax-advantaged retirement provision: a financial advantage for your pension

Tax-advantaged retirement provision gives you the opportunity to save for your pension through targeted tax incentives. A private pension insurance policy, a company pension scheme or a direct insurance policy (Direktversicherung) are examples of tax-advantaged retirement products. Thanks to the tax relief, you can reduce your taxable income while saving for your pension at the same time. By taking advantage of the tax benefits, you create a solid financial foundation for your retirement.

Frequently asked questions: Basic Pension (Rürup)

What is a Basic Pension?

The Basic Pension (Basisrente), also known as the Rürup Pension, is a state-subsidised private pension in Germany. It is aimed in particular at self-employed people and high earners. With the Basic Pension, contributions can be claimed to reduce your tax bill, and the benefits are taxed in retirement.

What are the advantages of the Basic Pension?

The Basic Pension offers several advantages. Firstly, contributions to the Basic Pension can be claimed to reduce your tax, which provides long-term tax relief. Secondly, the Basic Pension is protected from Hartz IV and therefore provides security in old age.

Who can benefit from the Basic Pension?

Self-employed people, freelancers and high earners in particular can benefit from the Basic Pension. The exact requirements vary depending on the country and legislation.

Are there any restrictions with the Basic Pension?

Yes, there are certain rules and restrictions with the Basic Pension. These include, for example, certain minimum contributions, a start phase for pension payments laid down by the state, and the obligation to pay tax on the Basic Pension benefits in retirement. In addition, the Basic Pension cannot be inherited, so no survivors' benefits are paid in the event of early death.