Pension & Retirement

Riester Pension

State-subsidised retirement provision

Find out about state-subsidised retirement savings schemes such as the Riester pension, which offers you financial benefits and support in saving for retirement.

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State support for your retirement provision: our offers

State-subsidised retirement provision gives you a way to secure your pension while benefiting from state allowances and tax advantages. The best-known forms of state-subsidised retirement provision are the Riester pension and the basic pension (Basisrente). The Riester pension lets you receive state allowances and tax advantages, while the basic pension enjoys tax benefits. By investing in state-subsidised retirement provision, you create a solid financial foundation for your retirement.

Frequently asked questions: Riester Pension

What is the Riester pension?
The Riester pension is a state-subsidised private pension scheme in Germany. It enables policyholders to build up capital for their later retirement income through their own contributions and state allowances. The Riester pension is aimed in particular at employees and certain other groups of people.
What are the advantages of the Riester pension?
The Riester pension offers several advantages. Firstly, policyholders receive state allowances that give their retirement savings an extra boost. Secondly, the contributions are tax-deductible. In addition, there are guaranteed minimum benefits and a lifelong pension once you retire.
Who can benefit from the Riester pension?
Those who can benefit from the Riester pension include, in particular, employees, civil servants, self-employed people with income subject to compulsory pension insurance and certain groups such as people doing military or civilian service, students with compulsory insurance or low earners. The exact requirements vary depending on the country and legislation.
Are there any restrictions on the Riester pension?
Yes, there are certain rules and restrictions for the Riester pension. These include, for example, certain minimum contributions, a start-of-pension phase set by the state, the requirement to pay your own contributions regularly and the obligation to pay tax on the Riester pension benefits in retirement.
Schneider & Musil Insurance Brokers

Schneider & Musil Versicherungsmakler GbR
Blütenstr. 41, 90765 Fürth

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