Riester-Verträge werden in hohem Maße vom Staat gefördert: Zum einen gibt es die Altersvorsorgezulage, zum anderen einen ergänzenden Sonderausgabenabzug. Um die Zulage in voller Höhe zu erhalten, müssen Sie einen bestimmten Mindesteigenbeitrag leisten, der sich nach der Höhe Ihres rentenversicherungspflichtigen Einkommens im Vorjahr richtet. Bei sehr niedrigem Einkommen muss zumindest der Sockelbetrag aufgebracht werden. Wegen der staatlichen Förderung in der Ansparphase müssen die Renten später in voller Höhe versteuert werden.

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2. Wie die Beiträge gefördert werden

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a) Förderung mit Altersvorsorgezulage

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Kinderzulage

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Einmaliger Bonus für Jugendliche unter 25 Jahren

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b) Förderung mit Sonderausgabenabzug

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c) Riester-Förderung bei Ehegatten

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Wenn beide Ehegatten zum begünstigten Personenkreis gehören

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Wenn nur ein Ehegatte zum begünstigten Personenkreis gehört

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d) Voraussetzung für volle Zulage: Mindesteigenbeitrag

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Wenn Sie nicht den Mindesteigenbeitrag leisten

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e) Wie Sie Ihren Zulagenanspruch und Eigenbeitrag einfach ermitteln

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f) Riester-Förderung im Rahmen der betrieblichen Altersvorsorge

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g) Riester-Förderung des Wohneigentums

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h) Bei Gehaltserhöhungen den Riester-Beitrag anpassen!

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