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Basis Rente

Rürup/Basis Rente - Tax-Efficient Retirement Planning

The Rürup Pension stands out as a tax-efficient, long-term retirement savings plan with flexible contributions, guaranteed income, survivor benefits, and asset protection. It's designed for individuals who prioritize financial security during their retirement years.

THE MOST IMPORTANT THINGS IN BRIEF
  • 💰 Tax-deductible contributions reduce your tax burden
  • 🛡 Asset protection safeguards your savings
  • 📈 Flexible contribution amounts
  • 👥 Survivor benefits for your family
  • 🏦 Guaranteed income stream in retirement

Rürup/Basis Rente - Tax-Efficient Retirement Planning

The Rürup Pension stands out as a tax-efficient, long-term retirement savings plan with flexible contributions, guaranteed income, survivor benefits, and asset protection. It's designed for individuals who prioritize financial security during their retirement years.

Key Features & Benefits

Tax Advantages

Contributions are tax-deductible, significantly reducing your taxable income and annual tax bill

Long-Term Savings

Designed for long-term retirement planning with substantial growth potential

Flexible Contributions

Decide how much to contribute within certain limits, perfect for variable income

Guaranteed Income Stream

Provides regular income during retirement for financial security

Protection for Survivors

Offers protection for loved ones in case of your passing

Asset Protection

Assets are protected from creditors, safeguarding your retirement savings

No Lump Sum

Focuses on providing regular income stream rather than lump-sum payouts

Tax Advantages & Maximum Contributions

2025 Maximum Contribution

Single people: €29,344, Jointly taxed spouses: €58,688

Tax Deduction

100% of retirement contributions deductible in tax return since 2023

Compulsory Insurance Deduction

Contributions to statutory pension insurance are deducted from maximum

Professional Pension Schemes

Contributions to professional pension schemes also deducted

Here's how you can save taxes with a monthly contribution of €200*:

Total Contribution (01.04.2024 to Retirement)

€82,400.00

Possible Tax Savings

€31,862.00

Your Own Contribution

€50,538.00

State Subsidy Rate

38.60%

Estimated Assets at 6% Return

€231,292.00

Monthly Pension at 6% Return

€776.60

State Subsidy per €100 Pension
Own Contribution (61.4%)
Tax Savings (38.6%)
Note: *Example calculation for Herr Max Mustermann. Your actual tax savings and returns will depend on your individual tax situation and investment performance.

How the Rürup Pension Works

During Working Years
  • Make tax-deductible contributions
  • Reduce your taxable income
  • Build retirement wealth
  • Enjoy asset protection
During Retirement
  • Receive guaranteed monthly income
  • Benefit from survivor protection
  • Maintain financial security
  • No lump-sum withdrawal option

Ready to Start Your Basis Rente?

Take advantage of tax benefits while securing your financial future. Our experts will help you find the perfect plan.

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