Englischsprachige Honorarberater für Rürup Beratung

[stagflation]

@HalloAktie, @s1lv3r: you're right. My last calculation was probably too pessimistic...

 

I modified my calculation so that it now matches "0,7% Effektivkosten". Cell H39 reaches nearly the same value as K39 if I calculate with "Verwaltungskosten, jährlich, in Prozent des gebildeten Kapitals" of 0,56%.

 

(click to enlarge)

 

According to this calculation, there are the annual costs below:

• 36 € fixed, charged by Alte Leipziger
• 2% of the payments, charged by Alte Leipziger
• 0,36% of the accumulated capital, charged by Alte Leipziger
• 0.2% of the accumulated capital, charged by the funds

[s1lv3r]

  

vor 9 Stunden von stagflation:

I modified my calculation so that it now matches "0,7% Effektivkosten".

 

Looks good for me now. 

 

vor 13 Stunden von tom12345:

My financial situation will be upended several times in the 34 years by moving between countries. And been able to re-calculate things easily would be rather useful.

 

That sounds like tax hell for me.  Having multiple pension products from various countries, while not living in one of them. RÜRUP is actually a downstream taxation product, so all payouts are fully taxable as income in the retirement phase, while contributions are tax-free/tax-deductible and can be made from gross income before paying income taxes.

 

But to be honest, I have no idea how this is handled when beeing neither a resident nor a citizen.  I can only guess, that this would depend on the specific Double Taxation Agreement Germany has with your resident country in retirement.

 

Do you already have an idea, how the taxation will work out?