Search item Search. Service telephone Monday to Thursday from 7. You wish to call us from abroad? Also from Spain and Greece only from the fixed network you can contact our free of charge service telephone under the number. The DRV consists of 16 regional pension insurers. Change directly to the page of your pension insurer:. Servicesuche Search item Search. A lifetime for you - certainly!
Welcome Welcome to the internet offer of Deutsche Rentenversicherung in foreign languages. The following pages give you the most important information on pension and rehabilitation. Deutsche Rentenversicherung also coordinates regulations agreed with pension insurance institutes in those States with which the Federal Republic of Germany has signed a Social Security Agreement Contracting States.
A simple but efficient certification system ensures the quality of the investment products. The target group of the Riester pension includes those who will be affected most by decreasing public pensions: compulsorily insured employees , agricultural workers and civil servants. It also includes soldiers, people who receive un-employment or reduced earning capacity benefits and those who care for others at home. The concept aims inter alia at. Upon retirement, the monthly Riester pension payments are fully taxable , but usually due to a lower income and lower tax rates at that time, tax benefits over the entire period are substantial.
One prerequisite for receiving these government pension payments is to invest in a certified Riester product. According to the Riester regulations, bank savings plans, classical private pension insurance, unit-linked pension insurance, fund savings plans, pension funds or even direct insurance can be included in the range of Riester products if they fulfil the certification criteria. This range of products has developed over a time span of 10 years and the variety it represents can be viewed as an additional set of incentives.
Although the Riester pension plans guarantee that pensions are received, each Riester client still needs to compare different types of Riester pension plans and consider other forms of investment and saving that may not receive beneficial tax treatment to fit his or her individual needs and ability to make contributions. Or, much more efficiently, he or she should seek professional advice by an independent financial advisor e. In comparison to other savings options , such as life insurance, Riester savings cannot be pledged and do not have to be used up before their owners can qualify for long-term unemployment benefits or social assistance.
If a beneficiary accesses the Riester assets before the age of 60 remark: for contracts concluded from onwards: 62 , cancels a Riester contract, or dies without qualifying heirs i. Therefore, Riester contracts are usually not cancelled before retirement. Due to the very strict government regulations, certified Riester pension plans are one of the safest options for old age savings in Germany. The Riester pension has gone through quite a few changes since its introduction.
Not only has the range of Riester products been gradually expanded and its rules and regulations simplified, but more incentives for various income groups have also been created. The savings subsidy, combined with a certain percentage of income saved, can be regarded as the most obvious and effective incentive. This percentage of income to be invested in order to receive government subsidies and the amount of government subsidies have been gradually increased from to One of the greatest challenges for a non-mandatory pension system is to encourage young people to start saving for retirement.
Setting incentives for a young age group to start saving even a few years earlier can make a big difference when these savers receive their pensions later on. The real estate must be used directly by the Riester saver.
You want to export your products or expand abroad? We inform you about opportunities and risks. Our team continuously researches the latest developments in potential markets, their legal frameworks and publishes interesting invitations to tender on a daily basis. Then we are your first point of contact. We inform you free of charge with current industry analyses, individually tailored tax and legal information as well as financing and funding opportunities in Germany.
With more than 50 offices in Germany and abroad, and its network of partners throughout the world, GTAI supports German companies setting up in foreign markets, promotes Germany as a business location and assists foreign companies setting up in Germany. In the race to find a coronavirus vaccine and treatments, the German government has teamed up with pharma and biotech firms.
The healthcare sector is booming as a result of the crisis, and opportunities for international investors are opening up in many industries in Germany. Digitalization is the market driver for many industries. The challenges caused by global warming must be faced — and effective greentech solutions developed to tackle them. The greentech market is a major factor in the German economy. Free trade generates employment and economic growth.
Trade and investment in Germany is made easy by maintenance of an open market and fair competition. In our new video, we look at sectors of German business that represent opportunities amid this most disruptive crisis. Germany is the world's leading producer of farming equipment. Our video s h ows some ideas about how foreign investors can get involved in the German agtech revolution. Germany has coped well with the coronavirus crisis to date.
But what does the future hold for post-lockdown business? We take a look back at the last three months. Germany's rail system will be looking very different in future. Big chance for companies, as Germany is more open than many other countries to foreign involvement in its rail network. With aging populations and increasing demand for medical services, AI and other digital innovations are going to become a crucial part of the healthcare of the future.
The fall of the Berlin wall was nearly 30 years ago today. What has gone right and wrong in the reconstruction of the East German economy? More than 2, foreign companies opened up businesses in Germany in — a new record. Where is the best place to do business? If a beneficiary accesses the Riester assets before the age of 60 remark: for contracts concluded from onwards: 62 , cancels a Riester contract, or dies without qualifying heirs i. Therefore, Riester contracts are usually not cancelled before retirement.
Due to the very strict government regulations, certified Riester pension plans are one of the safest options for old age savings in Germany. The Riester pension has gone through quite a few changes since its introduction. Not only has the range of Riester products been gradually expanded and its rules and regulations simplified, but more incentives for various income groups have also been created.
The savings subsidy, combined with a certain percentage of income saved, can be regarded as the most obvious and effective incentive. This percentage of income to be invested in order to receive government subsidies and the amount of government subsidies have been gradually increased from to One of the greatest challenges for a non-mandatory pension system is to encourage young people to start saving for retirement.
Setting incentives for a young age group to start saving even a few years earlier can make a big difference when these savers receive their pensions later on. The real estate must be used directly by the Riester saver. The rest must be received as a life-long monthly pension.
Before the change, the pension was calculated according to sex-specific life expectancy. Due to the fact that women statistically have a higher life expectancy, they had to pay higher contribution amounts in order to receive the same level of benefits as men. Men now have to factor in 6. In the Riester pension concept, consumer protection is very important. For this reason, the state supervises the Riester pension and all investment products.
With this certification system, the government wants to make sure that only safe and proven Riester products are available on the market. Only certified investment products are subsidized by the state. Thus, the Riester pension certification system provides comprehensive consumer protection. In order to receive a certificate for a Riester product, financial providers initially had to comply with a total of 11 conditions.
In , these conditions were changed to six rules to make it easier to understand and comply with certification requirements.
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