- All the facts and the cheapest rates
- What does this mean for my pension?
- How is it related to child-raising times?
All the facts and the cheapest rates
The statutory pension insurance will probably not be able to pay sufficient pension benefits in the long term. On the one hand, on the one hand, people are getting older, while on the other, the number of births has declined sharply. In the future, there will be far more pensioners than at present and at the same time fewer employees who pay into the statutory pension insurance.
What does this mean for my pension?
Anyone who later wants to remain financially independent should no longer rely solely on state pension benefits, but should also make a private provision. There are numerous possibilities of private pension . There are state-subsidized or tax-advantaged retirement products such as the Riester pension and the basic pension, or classic pension options such as endowment life insurance or private pension insurance.
The form of retirement planning that best suits your individual situation depends on many different factors. As a self-employed person, for example, one is usually not eligible for the Riester pension, but with the Rürup or basic pension, he has a solid retirement provision. If you want to combine your own precautionary measures with a survivor's pension, you can do so with a life insurance policy.
Sometimes it is also worthwhile to combine different products. Particularly in the case of a complex topic such as old-age provision, it is advisable to seek independent advice in order to optimally prepare for the future.
What about childcare times?
Childcare periods such as parental leave can be credited to the pension up to a maximum of three years per child. This is to prevent parents from being disadvantaged in later life simply because they have taken care of the education of their children. It is important here to clear all evidence to prove the parental leave later, if necessary.
