Wie wirds im Alter?

von carlos | Montag, 30. August 2010 | Thema: Allgemein

In den letzten Tagen sind Prognosen zur Altersarmut vom Statistischen Bundesamt veröffentlicht worden. Das Risiko der Altersarmut ist, wie zu erwarten regional stark unterschiedlich. So ist in den süddeutschen Bundesländern nur etwa jeder neunte von Altersarmut betroffen, in den neuen Bundesländern ist es gut jeder fünfte. Soweit nichts Neues.

Interessant hierbei ist jedoch, dass die aktuelle Generation 65+ deutlich weniger arme Menschen aufzuweisen hat. Dies bedeutet also, dass die aktuell arbeitende Bevölkerung und die danach kommenden Generationen ärmer sein werden als die Rentner heutzutage. Es sind also alle gut beraten, etwas für das Alter vorzusorgen!

Ein guter Weg für Studenten mit einem sozialversicherungspflichtigen Nebenjob kann die Riestervorsorge sein. Da die einzusparenden Beiträge vom Einkommen abhängen (bei Studenten ja meist niedrig), die Förderung aber fix ist (154€ pro Jahr, 300€ pro Kind), lassen sich traumhafte Förderquoten realisieren.

Ein Beispiel:

Student A verdient neben seinem Studium noch 8.000€ im Jahr dazu. Um die volle Förderung zu bekommen, muss er davon 320€ für seine Altersvorsorge zurückgelegen. Von diesen 320€ sind allerding 154€ Förderung, daher muss A nur 166€ im Jahr zahlen. Im ersten Jahr bekommt er sogar noch einmalig 200€ als „Willkommensgeschenk vom Staat“. Die Förderquote liegt also bei fast 50%, im ersten Jahr sogar bei fast 70%!

Wenn du Interesse und Fragen zu deinen persönlichen „Riester-Möglichkeiten“ hast, melde dich einfach hier

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