fear of poverty in old age, low interest rates on Savings, fear of losses in the financial markets – when it comes to investment a lot of people straight through the head. A possibility may be, in such circumstances, an investment in the statutory pension. After all, she has survived two world wars, the money is well protected and the survivors benefit.
Who can pay into the pension scheme?
payments are especially useful in three cases:
1) Earlier in pension
Who would like to enter before the legal age of retirement, you must take in the permanent and significant reductions in purchasing. Who does not want to, you can use the first way, and these deductions, special payments, in whole or in part, to compensate. This is possible from the age of 50 years. The question comes, for example, for the employees of large companies who are offered a severance package. The company is paid in this context, it is often a pension consultancy in order to optimize the retirement of the employee.
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2) periods of child-rearing
in Addition, can be done additional times in connection with child-raising periods. This possibility is limited since August 2010, to people born before 1955. As a rule, it will be so that child-raising periods are credited for people who have also fulfilled the reference to a rule old-age pension minimum period of insurance (so-called “waiting period”) of five years. However, there are a variety of women who are not able to fulfill this requirement in the higher age. So that they can, however, conclude appropriate insurance gaps and as a result, the waiting time is present, a voluntary contribution payment possible. In this constellation, particularly the deadlines for Payment are to be observed.
3) Pay for periods of training
The third payment option is not available for periods of training. As a rule, payments in this context are only possible if the 45. Age has not yet been completed. The exceptional cases are not considered here.
What it applies to the training to observe times?
The term training includes not only studying, but also the education of students as the high school. For the first eight years of Training from the age of 17. Age of arrears are not possible. Thus, the period of time until, at the earliest from the age of 25. Age into consideration. In addition, the periods between 16 may for training. and 17. The age of voluntary contributions be paid in.
Whether an additional Payment is appropriate, depends on the individual case. Especially for long-time students this option is interesting to their statutory pension. Please note that payments are only for the months in which it is not already contributions have been paid. So who is investigated alongside the study of a subject to social insurance contributions employment, can be paid no contributions in arrears.
pension points buy: How do I pay?
payments may be made only by the submission of a formal application to the German pension insurance (click here for the application for training times). To pay off can be in a amount as well as Rates.
How much can be deposited?
Currently, payments of 1004 Euro (Minimum contribution) can be up to 14.508 Euro (Maximum contribution) per year. These values correspond to an insured income of between 450 and 6,500 euros (contribution assessment ceiling) in the month. The values mentioned Below are provisional and refer to the year 2018.
how much of my pension increase?
receive transfers 1004 euros (around 84 euros per month) to the pension scheme, of around 4.50 euros more pension, in the case of 14.508 Euro (1209 euros a month) and it is 64 Euro more pension. Who wants to pay voluntary contributions, according to an annual average fee of currently 37.873 Euro, 7044 Euro per year (587 euros per month) and receives a so-called charge point. A charge point currently has a value of 31 euros. In the case of the Payment of arrears, there is not the otherwise as before, the current distinction between pay points in the West and the East.
example invoices
example statements for training time:
someone Decides, for example, to pay for a non-chargeable period of study of six years, a total amount of 42.264 euros to the pension insurance, he shall receive six pay points. As explained above, are part payments possible. According to the current value, this results in an annual pension in the amount of 2232 euros, which will be paid up to one’s own end-of-life, or in the Form of a survivor’s pension to wife, respectively, husband and/or were left orphans.
it is believed that one lives according to the occurrence of the rule old-age pension twenty years, so this means a pension of 44.640 Euro.
example calculation for a woman of the year in 1954, a 1992-born child (no more subject to compulsory insurance occupation):
Pays the wife for three years, a total of approximately 21.132 Euro later, would this alone account for a monthly pension of around 93 Euro. In addition, you will receive for the child is two years of child-rearing credited. This is the equivalent of two additional pay points or 62 euros more in monthly pension. If you also took into account a period of 20 years, a pension of EUR 37,200.
This example values include, however, any pension adjustments. This means that The value of a pension point of entry until retirement and even after Retirement still on the rise. Must take into account savers, also, that because of Inflation/Deflation of the value of money in the future can change. Attention is needed also with regard to tax aspects, as well as in the event of any transfer of credits, in the case of survivors ‘ pensions.
the First advise and calculate, then
apply to The Deutsche Rentenversicherung Bund in Berlin indicates that the employees in the information and Advisory offices of the pension free advice on the various ways of Payment of arrears of contributions. If you want to in addition, the optimization calculations for the best design of a Payment to make, you can contact a licensed and independent pension consultants.
your pension is calculated, FOCUS Online/Wochit So, your pension will be calculated
