PRIVATE CLIENTS · BUILDING WEALTH

Three state-backed routes. Which one fits you?

Rürup, the workplace pension and Riester are three different systems, each with its own advantages and drawbacks.

The problem

Choose wrongly and it costs you returns.

Many employees hold a Riester contract that does not suit their circumstances, or pay into a workplace scheme they do not understand. Picking the wrong route can cost significant returns and tax relief over decades. What matters is not the product but how it fits your tax and social security position.

Our solution

The right route. For you.

We explain the differences between Rürup (the basic pension), Riester and the workplace pension, and work out which combination is best for your income, your tax position and how much flexibility you want. Concretely, in plain terms and with no pressure to buy.

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The hard facts

Why subsidised provision pays off.

Up to 100%

Contributions to the basic pension (Rürup) are up to 100% tax-deductible as retirement provision, which is particularly interesting for the self-employed and higher earners.

At least 15%

With a workplace pension funded by salary sacrifice, since 2022 your employer must add at least 15%, on top of what you save in tax and social security contributions.

€540

The subsidised pension account, Riester's successor, brings up to €540 of basic allowance a year. Three routes, each with its own strengths.

€30,826

is what a single person can deduct for a Rürup or basic pension in 2026, twice that for married couples. One of the biggest tax levers there is.

Worth knowing

Which route suits you

Not every route suits everyone

Rürup, the workplace pension and the subsidised account each have different strengths, depending on your employment, income and goals.

Saving tax and building wealth

All three routes tie state support to building your retirement provision over the long term.

Employees often leave money behind

Not using the workplace pension with its employer top-up means giving away an advantage the law guarantees you.

The right combination makes the difference

Often no single route is best; it is how they work together that counts, and we work that out with you.

Experience you can rely on.

37+ years

in the market

100%

independent advice

DEWE

Certified partner of Deutscher Wertschutz e.V.

USING THE TAX ADVANTAGE

Save tax, build a pension.

Rürup, the workplace pension and Riester are supported through tax relief and top-ups. Combined properly, they cut your tax bill today while building your retirement provision.

up to 100%

tax-deductible: contributions to the basic pension (Rürup) count in full as special expenses within the maximum limits, which is particularly attractive for the self-employed and higher earners.

at least 15%

top-up: with salary sacrifice into a workplace pension, employers must usually add at least 15%, and many pay considerably more.

up to €540

of support a year: with the new pension account (“Riester 2.0”), state contributions of up to €540 a year are possible, depending on the conditions you meet.