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Die Riester-Versorgung ist grundlegend: sie sollte konstruktiv kritisiert, aber nicht zerredet werden

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  • Thomas Dommermuth
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    Abstract

    The Riester pension is much better than its reputation. Only some of the criticism is actually problematic. In part the legislature has already addressed or is going to address some of the existent issues. Behind the argument that the return was no better than a piggy bank is a miscalculation: actual returns are significantly higher than for products in the so-called "Schicht 3" (pension plans and financial investments without state support), but differ significantly between providers and between product types. As with other forms of pensions, the purchase decision should be preceded by adequate product and offer information. For this, there are plenty of publications, including those, for example, by Finanztest. Die Riester-Versorgung ist deutlich besser als ihr Ruf. Nur wenige der in der öffentlichen Diskussion kritisierten Bestandteile sind wirklich problematisch; teilweise hat der Gesetzgeber tatsächliche Probleme bereits beseitigt, zur Beseitigung einen Gesetzesentwurf vorgelegt oder eine Problemlösung in Aussicht gestellt. Hinter dem Argument, die Rendite sei nicht besser als beim Sparstrumpf, steht eine in der Investitionsrechnung und Finanzmathematik nicht übliche Verfahrensweise. Die tatsächlichen am Markt vor zu findenden effektiven Renditen nach Steuerwirkungen sind deutlich höher als bei Produkten der Schicht 3, weisen jedoch von Anbieter zu Anbieter und zwischen den verschiedenen Produktarten erhebliche Unterschiede auf. Wie bei anderen Formen der Altersvorsorge gilt: Der Kaufentscheidung sollte eine ausreichende Produkt- und Angebotsinformation vorausgehen. Hierzu gibt es genügend Veröffentlichungen, zum Beispiel von Finanztest.

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    File URL: http://ejournals.duncker-humblot.de/doi/pdfplus/10.3790/vjh.81.2.91
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    Bibliographic Info

    Article provided by DIW Berlin, German Institute for Economic Research in its journal Vierteljahrshefte zur Wirtschaftsforschung.

    Volume (Year): 81 (2012)
    Issue (Month): 2 ()
    Pages: 91-102

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    Handle: RePEc:diw:diwvjh:81-2-7

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    Related research

    Keywords: Riester pension; Riester costs; profitability; yield; grant;

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