ETF Rürup: Rürup fund savings plan with ETFs

More than EUR 20,000 in tax benefits

Calculate your tax benefit

Employment status:

Gross income:

Employment status spouse:

Gross income spouse:

ETF Rürup contributions 2021 that you want to deduct as pension expenses:

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How do we calculate?: We assume that 18.6 % of your salary is contributed to the compulsory state pension insurance (if insured) plus the ETF Rürup contributions of 92% minus employers' share (in the case of employees) are deducted as special expenses for tax purposes. The tax effects were estimated on the basis of your calculation basis.

The big advantage of Rürup is the tax advantages. You can deduct your contributions every year as pension expenses in the tax return - up to EUR 25,787 in 2021.
At present, the state approves the contributions pro rata (92%). However, this percentage increases every year, so that you can deduct from the year 2025 your Rürup contributions to 100 %.
Means: 2021 are a maximum of EUR 23,724 deductible. For spouses, the deductible amount even doubles to EUR 47,448.
In the payout phase your Rürup pension will then be taxed with your personal income tax rate.

The ETF Rürup is suitable for

Self-employed

who receive no state pension in old age

High-earners

who want to benefit from the high tax benefits and return opportunities

Employees and civil servants

who want to increase their private pension plans and deduct the contributions from the tax

The ETF Rürup guide

Clarify all your questions with our ETF Rürup guide: cost, subsidies, portfolio, closing, dependent's insurance and more!

Free guide download

All advantages at a glance

Free fund selection

You invest in index funds. Put together your own portfolio from over 100 ETFs and choose the equity allocation yourself.
More about the funds >

Deduct more than EUR 20,000 from taxes

You can claim your contributions every year in the tax return – for the year 2021, this is EUR 25,787. Married couples can even claim double (EUR 51,574).

Flexible contributions

You can pause or adjust the amount of contributions at any time, if you want. Top-up payments are possible at any time simply by bank transfer, free of charge.

Guaranteed pension conditions

The ETF Rürup is the only Rürup fund savings plan with guaranteed annuity conditions.
More about the pension conditions >

Low costs and full transparency

On average the running costs amount to less than 0.7 % p.a. No hidden fees or up-front commissions.

Refund of contract switching fees

You want to switch from your old Rürup provider to Raisin Pension? Then the switching fees will be refunded up to the amount of EUR 150. A possible change from Raisin Pension to another provider is free. More information about switching >

Calculate offer

Do you already have a Rürup contract and would like to switch?

Mehr zum Wechsel erfahren

Risk Calculator

Simulate your accumulation phase over all the historical periods of identical length since 1900: That's what would have happened in the best, medium and worst case.

Age:

One-off contribution: EUR

Monthly contribution: EUR

Equity allocation (accumulation phase):

Retirement age:

Calculation principles / risk disclaimer: The graphical simulation shows the investment and payout phases.
Note: Every time you change a parameter, the simulation runs again, which can result in completely new best/medium/bad periods. And of course, despite a comprehensive data base, variability, and care taken in the preparations and certain adjustments, the calculation gives no certainty or guarantee for the future!

The calculation:
The calculation is based on all equally long actual historical paths of a world portfolio of stocks / bonds since the year 1900, from which the worst and best periods are determined. We have deducted all our costs from the calculated return. In doing so, we consider historical inflation values for both the contributions shown and the regular payouts, therefore simulating only historical net returns after inflation. That is, the lines do not grow nominally on the timeline with the contributions and the returns but inflation is always included over time. We have deducted all our costs from the calculated return. The database for the calculation is based on our own analyzes based on Dimson / Marsh / Staunton, Ibbotson SBBI, MSCI and the Bundesbank.
Example: A shown terminal lump sum of EUR 100,000 actually equals EUR 100,000 in today’s purchasing power. The simulation therefore also includes a historical compensation for inflation in the contributions. With a starting monthly contribution of EUR 200, the saver would always invest EUR 200 according to the current purchasing power until the desired start of the payout, thus de facto increasing their contribution by 2 % per annum.

The Raisin Pension funds mixer

You decide for yourself how to build up your pension capital. With our fund mixer you can adjust your selection at any time.

The ETF Rürup guide

Clarify all your questions with our ETF Rürup guide: cost, subsidies, portfolio, closing, dependent's insurance and more!

Free guide download

Powerful partners on your side

We do not have access to your money at any time. Your assets are managed by our financial and insurance partners.

Our banking partner – Sutor Bank

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.

Our insurance partner – myLife Lebensversicherung

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.

Sample Product Information Sheets (PIB) and custom Product Information Sheets (PIB)

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