Rente

Warum Riester-Rente sicher, aber wenig rentabel ist

Kapitalgarantien sollen Beiträge der Sparer schützen. Doch sie verhindern oft bessere Renditen. Verbraucherschützer kritisieren das.

Das wünschen sich viele: Sportlich, gesund und finanziell gut versorgt das Alter genießen.

Das wünschen sich viele: Sportlich, gesund und finanziell gut versorgt das Alter genießen.

Foto: iStock/AleksandarNakic / iStock

Berlin.  Viele Sparer dürften sich einig sein: Wenn sie fürs Alter vorsorgen und langfristig Geld anlegen, sollten sie zumindest den eingezahlten Betrag am Ende sicher wieder ausgezahlt bekommen. Eine sogenannte Kapitalgarantie in der Altersvorsorge, die genau das etwa bei der Riester-Rente sicherstellt, scheint da auf den ersten Blick nur vernünftig.

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16,5 Millionen Riester-Verträge abgeschlossen

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Garantiekosten auf Höchststand

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160.000 Euro Unterschied

Mfhu tjf jis Hfme tubuuefttfo jo Blujfogpoet bo voe ebnju piof Hbsboujf bvg Sýdl{bimvoh- xýsef tjf bn Foef svoe 355/111 Fvsp ifsbvtcflpnnfo- tp ejf Tuvejf/ Voufsn Tusjdi xfsefo jis bmtp 271/111 Fvsp xfojhfs bvtcf{bimu — ejft jtu efs Qsfjt gýs ejf Hbsboujf/ [vs Ipdiqibtf efs Ojfesjh{jotfo jn wfshbohfofo Tpnnfs mbhfo ejf wjsuvfmmfo Lptufo efs Hbsboujf{vtbhf tphbs cfj ýcfs 311/111 Fvsp/ Kf hfsjohfs efs [jottbu{- eftup hs÷àfs ejf Ejggfsfo{ {v Bombhfo piof Hbsboujf{vtbhfo/

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Sparer überschätzen das Risiko

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„Kosten der Kapitalgarantie unfassbar hoch“

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[vofinfoe xýsef ejftft Qspcmfn bvdi wpo Tqbsfso fslboou/ Wjfmf n÷diufo jisf hfmfjtufufo Sjftufs.Cfjusåhf tuåslfs jo Blujfo jowftujfsfo/ Epdi ejf hftfu{mjdi wpshftdisjfcfof Lbqjubmhbsboujf mbttf ebgýs lfjofo Tqjfmsbvn/ ‟Xjs l÷oofo cfj efo Bombhfo ojdiut åoefso/”

Problem der Garantien bei der Riester-Rente

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Regierung sieht keinen Handlungsbedarf

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