An urgently needed reform of the Riester pension: more funding, security and pension claims for employees

Veröffentlicht:

Von: NAG Redaktion

Eine Reform der Riester-Rente ist dringend erforderlich. Das bisherige Konzept hat sich als fehlerhaft erwiesen und vor allem den Anbietern von teuren Policen genutzt. Eine bessere Förderung von preisgünstigen Aktienfonds und eine gezielte Unterstützung für Geringverdiener wären einfache Maßnahmen zur Verbesserung der privaten Altersvorsorge. Die Verzögerungen bei einer grundlegenden Reform sind auf Lobbyinteressen zurückzuführen. Es ist an der Zeit, die notwendigen Änderungen umzusetzen. Berlin.
A reform of the Riester pension is urgently required. The previous concept has proven to be incorrect and, above all, used the providers of expensive policies. Better promotion of inexpensive equity funds and targeted support for low earners would be simple measures to improve private pension. The delays in a fundamental reform are due to lobby interests. It is time to implement the necessary changes. Berlin. (Symbolbild/MB)

Malc construct Riester pension ensures reform needs

The Riester pension has been criticized for some time and a reform is urgently needed. The original concept has proven to be a misconstruction and has not adequately increased the workers' pension expectations, although state funding was generous. Instead, the providers in particular benefited much too expensive insurance policies from the financial advantages. Nevertheless, fundamental reforms have so far been prevented by lobby interests in the financial industry, although the need for reform in all party programs is recognized.

A more effective support pension would be anything but complicated. People in the country have already shown what they actually want: they invest their money in inexpensive equity funds with low risk and at the same time good opportunities for return, the so -called ETFs. Part of your money is secured because you want high interest rate with a high level of security. To do this, they also accept a certain risk.

A role model for this combination would be, for example, a fund required by the consumer advice centers under state supervision, as has already been implemented in Sweden. This type of investment is not only effective, but also offers security for investors.

The second part of the reform concerns the targeted promotion of private pension for employees and the self -employed with low incomes in which the pension claims are hardly sufficient. It is time to enable these people better financial security in old age.

There is no reason to further push this urgently needed reform. The Riester pension must be fundamentally revised in order to meet the needs of employees and to offer them appropriate pension.

The current government has announced a reform, but has not yet been given beyond this announcement. It is time to take concrete measures to improve the Riester pension and thus secure the financial future of employees.