Securing Riester subsidies: how not to give away money
A Riester contract lives off the state subsidies, but many people do not receive them in full because they pay in too little or forget the application. With a few steps you secure the full amount.
Reach your next steps and the matching ready-made texts in just a few minutes, free of charge:
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What you should do now
- 1
1. Calculate the minimum personal contribution
4 % of the previous year's income subject to pension insurance (minus subsidies), up to the maximum amount.
- 2
2. Adjust your payment
Make sure you pay in at least the minimum personal contribution; otherwise a reduction applies.
- 3
3. Submit a permanent subsidy application
Give your provider a permanent subsidy application so that the subsidies flow automatically.
- 4
4. Report changes
Report marriage, children and income changes in good time so that the subsidies are correct.
Frequently asked questions
How do I get the full Riester subsidies?
By paying in at least the minimum personal contribution, as a rule 4 % of your previous year's income subject to pension insurance minus the subsidies you are entitled to (up to a maximum amount). If you pay in less, the basic and child subsidy are reduced proportionally. Also do not forget the subsidy application.
What is the permanent subsidy application?
With the permanent subsidy application you authorize your provider to apply for the state subsidies automatically for you every year. This way you do not have to submit the application anew each year and you do not give away any subsidies. It is important to report changes (for example new children, income changes) so that the subsidies are calculated correctly.
Take action now
We put together the ready-made texts and the right places to contact for you.
General information for self-help, not legal advice (RDG). In case of a high loss or uncertainty: contact a consumer advice center or a lawyer.