Why save alone if the government can support you? Receive up to EUR 175 in basic government subsidies and another EUR 300 in subsidies for each child – every year. There are also annual tax benefits.
Your money will be invested scientifically based on a fund savings plan. The portfolio is diversified worldwide and is managed via the equity and fixed-income ratio.
Information about the current investment approach >
Legally required: Your contributions and the in-contract cash subsidies are available at the beginning of retirement for pension payments. In addition, your saved assets are protected when receiving Hartz IV.
There are no up-front commissions and no sales charges. All fees are always transparent. The effective costs of the ETF Riester are usually less than 1.0 %.
The ETF Riester is the only fund savings plan with guaranteed annuity conditions: you already know your minimum pension from the beginning.
More about the pension conditions >
The digital retirement cockpit enables you to always have an overview of the development of your assets and the expected pension. Here you can also make changes yourself.
Adjust your contributions at any time online or even pause them completely.
Lump-sum payout instead of pension? No problem. At the beginning of the pension you can withdraw up to 30 % of your capital. A complete payout is also possible under certain conditions. You can learn more on our ETF Riester guide.
Conclude the ETF Riester conveniently online. Without brokers or paperwork.
Adapt your contributions online at any time.
At the beginning of the pension you will receive a monthly pension from your assets. Lump-sum payouts are also possible.
We do not have access to your money at any time. Your assets are managed by our financial and insurance partners.
During the accumulation phase, your fund savings plan is managed by Max Heinr. Sutor oHG. The Hamburg Sutor Bank has been one of the few independent private banks in Germany since 1921. It offers an uncomplicated entry into the capital market, provides individual investment advice and manages numerous foundations.
At the beginning of the pension, the Sutor Bank transfers your assets to myLife Life Insurance, which then pays you a monthly pension. MyLife Lebensversicherung AG from Göttingen is the only life insurer in Germany to offer its customers solely commission-free net tariffs. The independent analysis house Morgen & Morgen awarded myLife the highest grade "very good" in their stress test.
With low-interest insurance and high cost, in fact not. By contrast, the combination of government subsidies and investment in the stock market enables return opportunities.
For many Riester contracts, intermediaries and insurance companies charge high fees. As a result, many contracts are initially in the red for a long time. Differently with us: There are no up-front commissions, no issue premiums and only low running costs, which are always indicated transparently.
Some products are rigid and not adapted to your living conditions. But with us you stay as flexible as possible: You can adjust contributions online at any time and at the end you can also withdraw the capital instead of receiving a pension.
The big advantage of Riester is that you get a monthly pension until the end of your life – no matter what. If you die earlier than you thought, your fortune will pass to your dependents and nothing will be lost. Alternatively, you can terminate your contract at the beginning of retirement and you can withdraw the capital.