If you want it, then only up to the subsidy limit of EUR 1,800 (this limit should not be higher)! Ultimately, the 30 or 20% allowance is once again a hidden tax advantage in current income tax and, for lower earners and largely "capital-less" employees, a waiver of the tax-free savings allowance! On the other hand, in the payout phase, the severely restricted use option and the subsequent taxation of the entire "equity pension" with its inherent tax progession hits. The Minister of Finance then reclaims his allowances with compound interest. And anyone who dies early as a single person gives away their unpaid "share pension"! To whom actually?
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@1999-topeuro The deposit balances that have not yet been paid out will be inheritable. This is a major advantage over the Riester pension.
Complex model calculations would have to be carried out to find out the effects of deferred taxation in the payout phase. However, as the tax burden in the pension phase should usually be lower than in active working life, this regulation should generally be positive for pension savers.
Complex model calculations would have to be carried out to find out the effects of deferred taxation in the payout phase. However, as the tax burden in the pension phase should usually be lower than in active working life, this regulation should generally be positive for pension savers.
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@randomdude thanks for all the responses to the German Motz Mob.
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•@randomdude It's actually not that complicated. As your pension income is usually lower, this automatically results in a tax advantage. But you've already written that yourself. You can look at Switzerland to see this.
I congratulate everyone whose pension income should be higher than their earned income and say that the tax will not restrict them too much.
I congratulate everyone whose pension income should be higher than their earned income and say that the tax will not restrict them too much.
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