who receive no state pension in old age
who want to benefit from the high tax benefits and return opportunities
who want to increase their private pension plans and deduct the contributions from the tax
You invest in index funds. Put together your own portfolio from over 100 ETFs and choose the equity allocation yourself.
More about the funds >
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).
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.
The ETF Rürup is the only Rürup fund savings plan with guaranteed annuity conditions.
More about the pension conditions >
On average the running costs amount to less than 0.7 % p.a. No hidden fees or up-front commissions.
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 >
You decide for yourself how to build up your pension capital. With our fund mixer you can adjust your selection at any time.
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.