Earlier with the Work stop? A dream of many Employees. With these special payments pensions-deductions from offset.
Who wants to retire earlier , you need to dig deep in the bag. From 50 years, you can pay to compensate for Extra contributions into the statutory pension insurance. Experts say that posts means Extra the and what to consider.Early retirement: special payments to pension deductions
Earlier in retirement* go: That sounds tempting. In General, it means that the Affected reductions in the statutory pension in purchase. If you special payments to the statutory pension scheme , you can compensate for this loss.
The reduction in Retirement benefits at the earlier retreat into the old part can be calculated as: For each month to go before Reaching the statutory age of retirement, resulting in a discount of 0.3 per cent. In the course of a year or a total of 3.6 percent. So if you want to go at the age of 63 instead of 67 years in retirement, would get every month, 14.4 percent less state pension is paid out.
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Early retirement: Extra contributions after the age of 50. Age
There is a way to prevent the later loss of* - in the supplying of quasi-in time: 50. Years of age you can reduce Extra Deposit contributions into the statutory pension scheme and as a result, the haircuts. "The height of the premium payments is calculated on the basis of the remaining working time and the time it goes before," - quoted by the German press Agency, the speaker of the German pension insurance the Federal government, Dirk von der Heide.
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Deutsche Rentenversicherung called calculation example
But that's a lot of money, such as examples of Calculation of the German pension insurance show : Who would get 800 euros a month and a year earlier in retirement want must Deposit 6.820 Euro in addition to the pension, the pension reduction to offset. And who wants to go for a pension of 1,200 euros per month three years earlier, in retirement, will have to spend for this purpose approximately 33.160 Euro.
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retire Early?: In time to inform, advises Stiftung Warentest
If anyone is considering, earlier on the old part and to withdraw, he should enquire in good time, advises Stiftung Warentest. the early enough to determine how much you must pay, you should get about ten years before the planned retirement advise , the recommendation.
can be the special payments, is flexible : Either pay the regulated Insured the amount at once or distribute it to individual years. "Per year, two payments are currently possible, so you can't make a Deposit each month," says Dirk von der Heide. The amount of the respective payment, you can decide for yourself.
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paid in, but you don't want to for retirement.
What happens if special payments were made, the person Concerned does not want to go but earlier in retirement? "Insured, the tees, despite the payment of contributions to equalisation of Retirement, not early retirement, receive a according to the contributions paid enhanced pension", according to the German statutory pension insurance scheme to do so. A refund of the balance payment is not possible.
sources: dpa, Deutsche Rentenversicherung
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