Not only legally compulsory employees can benefit from the funded Riester-rente Riester pension for self-employed persons with simple tricks. Also married tradesmen and freelancers can get access to the Riester pension with simple and legal tricks. This they must do not even own contributions. In the first variant, the eligible spouse must already have an own Riester contract and to pay the contributions. The self-employed spouse may conclude an own Riester contract under this condition and apply for State funding. Needs of the self-employed to afford no own contributions, thereby receives the annual promotion of reason without further requirements. This is enough only to a very scanty pension, recommend higher own contributions.
In the second alternative, the self-employed adjusts his spouse as mini-jobbers in his company. Then the spouse waive voluntarily that actually Pension insurance in force, freedom, is however to an immediately eligible. The self-employed in turn will indirectly qualifies as the first variant. Need to now a few euros per month on the pension fund be dissipated, but far outweigh the financial benefits. Again, only the employed spouse must pay the contributions, while both full allowances. Even more attractive, if the couple has children, it will wait now more allowances.
Attract not only state money gifts. The spouse can deduct tax according to the height the own contribution payments up to 2,100 euros as special editions. It should be noted that only the direct beneficiaries but spouse benefits from the special deduction. The indirect eligible spouse has initially no tax bonus. Should however the immediately eligible legal spouses do not exploit the maximum of 2100 euros through their own contributions and allowances, can also indirectly authorized partner Riester contributions to the common Setting off the ceiling. So when high income is a tax savings of up to 1,000 euros. About insurance Deutschland.de insurance Deutschland.de, a company of JuMFinanz UG (limited liability) has based in Marburg. On its Internet portal, it offers basic information on the following topics: Riester-rente, Rurup pension (basic pension), post-employment benefits, Sofortrente and payout plan, life insurance and pension, unit-linked life insurance and unit-linked pension insurance, British life insurance and British pension insurance, disability insurance and invalidity insurance, private health insurance. Contact: Stefan Gobel JuMFinanz UG (haftungsbeschrankt) reel 1 35037 Marburg Tel.: 06421-1685500 fax: 06421-1685480 E-Mail: