Elite government-subsidized retirement with €775+ benefits & premium €300 child bonuses. VIP guaranteed returns forfamilies & professionals.
Premium comparison in 2 minutes - Discover elite Riester plans with maximum €775+ subsidies & VIP benefits
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€175 per year for every eligible person
• Automatic annual payment
• No income limits
• Must contribute minimum €60/year
• Per child, per year
• Paid until child benefit ends
Up to €2,100 per year deductible
• Alternative to subsidies
• Automatically calculated for best benefit
• Especially beneficial for high earners
Guarantee: 100% of contributions
Returns: 2-4% annually
✓ Guaranteed capital preservation
✓ Lifelong pension payments
✓ Death benefit included
Use: Home purchase/renovation
Benefit: Interest-free loan
✓ Use subsidies for real estate
✓ Debt-free homeownership
✓ Property as retirement provision
Returns: 4-7% potential
Risk: Market fluctuations
✓ Higher return potential
✓ Professional fund management
✓ Capital guarantee at retirement
Returns: 1-2% annually
Security: Very high
✓ Maximum security
✓ Guaranteed interest
✓ Simple and transparent
No, you can only have one active Riester contract at a time. However, you can change providers by transferring your existing contract value.
You lose eligibility for new subsidies but can continue the contract privately. Existing subsidies remain, but you won't receive new ones unless you become eligible again.
Yes, you can pause contributions temporarily (e.g., unemployment, parental leave). The contract continues, but you won't receive subsidies during the pause period.
Riester is most beneficial for families with children and lower-to-middle income earners. High earners might benefit more from tax deductions, while some may prefer alternative investments.
Within EU: Generally no impact. Outside EU: You may need to repay subsidies received. Check specific rules for your destination country before moving.
Yes, spouses can continue the contract. Other heirs receive the capital value but must pay back received subsidies. Life insurance components provide additional death benefits.
Depends on contributions, subsidies, and returns. Example: €100/month for 30 years with 3% return = approximately €200-300 monthly pension starting at age 67.
Insurance offers security and guaranteed returns. Funds offer higher potential returns but with market risk. Consider your age, risk tolerance, and financial goals.