Without wanting to badmouth it directly, but just a few key points to bear in mind.
- at the beginning, up to a maximum of 30% can be paid out as a lump sum
- the rest is paid out via a payment plan from the age of 85
I prefer to stick with my own private retirement savings account.
- at the beginning, up to a maximum of 30% can be paid out as a lump sum
- the rest is paid out via a payment plan from the age of 85
I prefer to stick with my own private retirement savings account.
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@Aktienorang-Utan The pension is paid out until the age of 85, in monthly installments from retirement. The problem is, of course, that you are tied and have no large payments.
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@Aktienfox Who can guarantee that you won't die at 70? Then you won't get your money
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•@Divident_e You can also apply this to the entire pension system or insurance companies. But: For those who don't invest yet and don't have any contact points, it can be good if the fees don't escalate
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@Divident_e The remaining amount is inherited. Precisely because it is not insurance.
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•@randomdude With Riester, you didn't get anything in the event of death. Has that changed now? I dissolved it a quarter of a year ago and read up on it again. About inheritance...
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•@Aktienfox Statutory pension provision is not voluntary. At least not as an employee. But Riester, for example, is. That's what's missing from my net income. That's the difference. I want to be able to access it freely. I don't want to be 85 to get everything out or 80 to at least have my deposits siphoned off. That is and remains scam. Unfortunately, at 20 you're not so bright to recognize that...
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•@Daniel1212 why are you judging me now, at the end, that relativizes the complete validity of your statement!
I don't agree with you at all about the pension! The deposit should be for the general population, and I would find it extremely questionable if every person could access this sum X at any time, as the majority of the population is underdeveloped when it comes to finances. The withdrawal rates could be made a mende more flexible and otherwise I think it's fine, you get the subsidy and CO, if you want flexibility then nobody forces you to get it.
I don't agree with you at all about the pension! The deposit should be for the general population, and I would find it extremely questionable if every person could access this sum X at any time, as the majority of the population is underdeveloped when it comes to finances. The withdrawal rates could be made a mende more flexible and otherwise I think it's fine, you get the subsidy and CO, if you want flexibility then nobody forces you to get it.
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•@Aktienfox I didn't mean to judge you. I meant me at 20, when I took out Riester. Today, at 40, I would never have done that. And I've now reversed it too.
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•I no longer trust the state one inch. And accordingly, I don't entrust it with any more money than is absolutely necessary
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•@Daniel1212 I see, all good! Yes, I see it similarly to you, would try to entrust the state with as little as possible, but in terms of promotion + stock protection, ws is already much better than any other program. I would wait until the beginning of 2027 to see what happens by then
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