How useful is the Rürup pension?

“Primarily, everyone with a higher tax burden benefits from a Rürup-Pension, after signing the contract. This basically includes all the well-earners as well as self-employed. When choosing the monthly investment contribution, however, one should remain within the maximum deductible contribution to get the best conveying rate.
We also recommend to set fund-linked tariffs because the performance to be expected is superior to classical products.
A feature of Rürup is that they can only be paid out as as a lifelong pension without the option of capital payment.
The advantage here is the complete hedge of longevity risk (in an above-average life, the paid capital could be used up before one dies).
The Rürup is thus for many people a very lucrative and meaningful supplement or basis compared to the state pension.”

At Horizon65 we can help you to determine if company pensions are worth it for you by using our mobile app to simulate its effect on your future taking into your existing investments and potential impact of inflation and taxation.

We regularly help our clients by comparing all the available company pension products on the market using our comparison portal or you can also directly get in touch with our experts to understand if it can be a good option for you.


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