Revolution of old -age provision: Lindner brings a new pension model!

Revolution of old -age provision: Lindner brings a new pension model!

Finance Minister Christian Lindner (FDP) presented a new draft law on the reform of private pension insurance, which is due to come into force from 2026. The plan enables workers to choose from various funded models, including an old -age pre -Board epot that allows investments in ETFs and stocks. The state will promote up to 600 euros per person every year by contributing 20 cents for each invested euro, up to a maximum deposit of 3,000 euros annually. Parents can claim additional funding with up to 300 euros per child, while low earners and young professionals receive special bonuses.

The design stipulates that the money in the pension pot is only taxed when the payment is possible, which is possible at the earliest from the age of 65. This could be the same as a fundamental change in private pensions, since the current Riester and Rürup pensions often provide disappointing returns due to low interest rates and inflation. In the first few years, the federal government expects costs of around 380 million euros, which could increase to over 500 million by 2029. Further details on the reform and the concrete regulations are in a report on www.merkur.de to be found.