Self-employed can deduct their retirement from the tax. There is not the Rurup pension,”but many different Rurup pensions products. Here, there are the appropriate pension in principle for every type of investor. The greatest risk but also the best profit opportunities provide different fund products, debt securities are considered much safer on the other hand. Stiftung Warentest tested 2008 various forms. Of the 76 products tested 13 cut with good or very good starting. Stiftung Warentest reviewed the remainder as limited or not recommended. The test winner came among others of CosmosDirekt, the European insurance and the Debeka.
Sure to the guaranteed pension for a comparison of different products. Because this is secured to customers even if the insurance over the years due to the economic development suffers losses. Here there are the biggest differences from vendor to vendor in principle. Actually the differences in the guarantee pension amount to up to 100 per month. About the deposited savings in each form of the Rurup are also insured by the way pension, this does not apply however in the insolvency of the saver. Who can benefit from this form of retirement savings? The Rurup pension in principle can be completed from any citizen, she is worth but usually only for the self-employed and freelancers. Because unlike in the Riester pension is it here no direct subsidies from the State, but only perks about tax reductions.
Thus, retirement is only indirectly supported by the State. Last but not least it is intended for the self-employed as an alternative to the Riester pension, because it can be completed only by legally insured persons. Taxes save yourself with the Rurup pension which is worth Rurup pension for freelancers, by the fact that the amounts pro rata can be removed from the tax. This however also means that this form of pensions for persons who have a correspondingly high income is interesting. For those who earn little, has also not much to put down. (See General information about the tax here).In fact, the tax savings can be large during the deposit period. Singles may claim up to 13,200 in the first year as a special edition in their tax return. The double set of 26.400 applies to married couples. After the first year the percentage that you may claim as a Special Edition, increased annually by 2%, until he reaches the maximum. The maximum amount for the tax depreciation of the Rurup pension is located at 20,000 for singles and 40,000 for marriage partners. That sounds good, however, you should know that you must pay back some of the tax breaks at the age. Because the pension paid out must be taxed. Risks of the Rurup pension as recently shown has, any private pension risks. For one, the economic development is never foreseeable. There is a recession, or even worse, the yield is lean. There is also a risk for savers, the to the Example of unemployment can no longer pay their monthly contributions. Here it is mainly on the time. Was already enough saved, so that the free position limit is reached, at least the paid-up capital is safe. The unemployment or inability to pay but before reaching the free position occurs, the saver loses the entire paid-up asset.