The reasons for concluding that pension insurance against one-time payment the big difference of the Sofortrentenversicheurng to the private pension insurance, as most know it: Instead of regularly to be save the contract, you pay once a fixed amount in the contract. The pension insurance undertakes in return to pay you off a lifelong pension. The saving will be deposited so, that last a lifetime a secure pension is payable, which may rise by additional surpluses and ensures a return commensurate with the security at the best sellers. A pension guarantee period is possible: in the case of the pension for an agreed period of usually 5 to 10 years will be paid even if the insured person has already died: so can provide at the same time the family or partner. The big advantage compared to Banksparplanen: A Sofortrente is safe for life.
Unlike as with the sampling plan it cannot you happen, that the capital is consumed at some point and you can treat yourself no more pension. Enjoy tax benefits tax is a Sofortrente. You must pay tax on only the low income portion of the pension age. It is a retirement age 65 only 18%. In other words: in a personal tax rate of 30% go of 1,000 euro Sofortrente just 54 euros to the tax authorities. Another plus: If you create capital in the age, to it on their own to pay a pension, you have to pay 25% tax on the investment income year after year.
To avoid this tax at a Sofortrentenversicherung, because only the paid pensions with the small amount of income is taxed. You get wish you the Sofortrentenversicherung as Rurup pension a State promotion closed, secure themselves a rich more. Because you can claim then tax payment up to saleable maximum of 20,000 euro and 40,000 euro (single/married couples). Currently, so a tax bonus of up to 12,000 euros can be secure. For this you need the lifelong Taxable pension but with a higher rate, which currently stands at 62%. But it is important that you get a really good insurance: for a Sofortrentenversicherung, use this calculator to get the best deals. Thus, you back up a Rentenplus that can amount to several thousand euros. Different variants to choose the pension insurance against a one-off payment are 3 options available. First of all the constant pension. Here it is agreed that the pension is permanently stable and no longer increases. Traps can, however, already, namely the generated surpluses no longer sufficient to keep the pension level of previous years. Different dynamic pensions: when an once reached pension sum must no longer fall below, get the pension of generated surpluses does.