With a private pension you secure an additional income in retirement. You can opt for a lump sum or a lifetime monthly pension. Here is a pension insurance with higher returns!
Public pensions in the future, probably not enough for security in old age. Only 67 percent of last net income will be paid in the future at best. Further cuts are likely in an aging society. You are therefore in front with a private pension!
The big plus of the private pension system is the reliability. Already at the end you know what you will be paid later. This may be a lump sum or an annuity. In the latter, you will receive a monthly payment of the private pension system - even if you are 100 years old!
The private pension insurance has another benefit: You will be taxed at the age of only 18 percent - no matter how high the income is another. And that is increasingly important for future retirees must pay each year a larger proportion of their income to the Treasury.
Guaranteed return
In contrast to the public pension guarantees the private pension of a minimum annual yield usually 3-4%. Added by the insurer earned surplus.
Flexible retirement
Who knows today, as it stands at 65? The pension scheme offers more flexibility than Riester and Rürup insurance. So you can for example aged decide whether you want to get off payments or a monthly pension payment.
The Basics
Basically, the statutory pension is now no longer sufficient to be able to enjoy a financially secure life after retirement.
Contract options
In the deferred pension, you pay over a longer period agreed PRIOR monthly fixed amount in an annuity one.
The advantages
An investment in a private pension guarantees a relatively high interest rate, usually between three and four percent per year.
Who suitable
Rule of thumb: plan for private retirement each is recommended. The statutory retirement nearly enough to guarantee no longer sufficient financial security in old age.
Tax Treatment
The private pension system combines safety and potential returns. Thus it is seen as attractive but safe investment.
The right contract
An investment in a private pension guarantees a relatively high interest rate, usually between three and four percent per year.
Basically, the statutory pension is now no longer sufficient to be able to enjoy a financially secure life after retirement. Everyone is asked to close its deficits. The private pension system is one of several ways to let into the age to go.
Whoever thought to make private pension provision should note the following important rules:
Start as early as possible with the private provision - so you benefit from favorable contributions. Think carefully about how you see your financial situation in old age, whether you want to maintain your current standard of living and you do not calculate too short. Refer to the inflation in your retirement planning. Inform yourself thoroughly about the private pension system. The market of vendors and products is unclear - consult a precaution.
Contract options
In the deferred pension, you pay over a longer period previously agreed fixed monthly payments into the pension one. A - also specified in the contract - start date then the monthly pension payments. You can pay with retirement capital and surplus at one time (lump-sum option).
Another model of private pension plans, which may be useful alone or in addition to the private pension is the immediate annuity, which can be completed just before or upon reaching retirement age and therefore is particularly useful for older people.
In the immediate annuity, you pay a large sum one at a time and thus acquired an entitlement to an additional pension, can begin on the payment immediately. It would, for example, the compensation obtained by leaving a company, as an immediate pension money well spent.
The advantages
An investment in a private pension guarantees a relatively high interest rate, usually between three and four percent per year. While coming to the statutory pension your contributions to current pensioners will benefit directly, in private pension insurance contributions all saved up for you personally - a risk of losing the money, for example, by pension cuts, does not exist.
The real benefit of the pension system lies in the surplus received by the insurer during the term. These surpluses are not guaranteed (but are currently about two percent).
The private pension system is recommended to all those who value flexibility and individuality. Finally, you can decide if you want a monthly pension or the lump sum payment. These options are not Riester and Rürup model.
Suitable for whom?
Rule of thumb: plan for private retirement each is recommended. The statutory retirement nearly enough to guarantee no longer sufficient financial security in old age.
Those who have already reached a certain age or is even just before retirement, is to consult with an immediate pension or deferred pension to lump sum good - if he can make a single large amount.
Young people who regularly can save small amounts are properly taken care of with the deferred pension.
Particularly flexible you are left with a policy that provides for the lump-sum option.
Tax Treatment
The private pension system combines safety and potential returns. Thus it is seen as attractive but safe investment.
However, the contributions to private pensions are not deductible as special expenses from the tax. This is the Riester, and mainly at Rürup model of the case. However, the tax burden is lower in the pension phase.
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