Lohnt sich eine Riester-Geldanlage überhaupt?

Gegenwärtig wird teilweise sehr heftig die Frage diskutiert, ob sich den die Riester-Geldanlage überhaupt lohnt. Damit wird eine sehr komplexe Frage aufgeworfen, denn es gibt nicht nur eine Möglichkeit für die Riester Geldanlage. Der Staat fördert die private Altersvorsorge über sehr verschiedene Anlageformen bei der Riester-Geldanlage. Staatliche Zuschüsse oder Steuerersparnisse kann man bekommen, wenn man eine Lebensversicherung als Riester-Geldanlage abschließt. Es gibt aber auch die Möglichkeit eines Banksparplans auf Riester-Geldanlagenbasis und mittels Riester-Förderung kann auch der Immobilen-Erwerb unterstützt werden.

Entscheidend für alle Varianten der Riester-Geldanlage ist ihre Zertifizierung, die dafür sorgen soll, dass diese Geldanlage annähernd so sicher wie die staatliche Rente ausfällt. Dies bedeutet natürlich, dass auf Basis einer Riester-Lebensversicherung keine so hohen Renditen angekündigt werden können, wie bei einem spekulativer ausgelegten Geldanlage-Modell. In der Frankfurter Allgemeinen Sonntagszeitung kamen deshalb Ende November 2009 viele Experten zu Wort, die bezweifeln, dass es sich lohnt, eine solche Riester-Geldanlage zu begründen. Allerdings werden hier überwiegend Argumente gegen die Riester-Geldanlage angeführt, die auch gegen normale kapitalbildende Lebensversicherungen angewandt werden könnten: Die hohen Kosten und Provisionen beim Abschluss des Vertrages führten dazu, dass die Verträge erst sehr langfristig zu Renditen führen können, die mit anderen Anlageformen konkurrieren können. Ebenso kritisieren die Experten, dass die verschiedenen Angebote für Riester-Geldanlagen auf Versicherungsbasis ziemlich intransparent seinen. Resultat dieser Überlegungen: „Riestern lohnt sich nur selten“.

Ein weiteres Argument gegen die Riester-Geldanlage auf Lebensversicherungsbasis setzt bei der geplanten Lebenserwartung der zukünftigen Rentner an. Geht man hier von sehr hohen 90 Jahren aus, dann bedeutet dies, dass erst mit diesem Alter die kompletten Einzahlungen (einschließlich der staatlichen Zuschüsse) an den Riester-Sparer ausgezahlt sind. Zumindest Männer hätten also gegenwärtig überhaupt keine Chance ihre Riester-Geldanlage auf Versicherungsbasis optimal zu genießen, denn sie können statistisch gesehen nie dieses Alter erreichen.

In den Reigen dieser Kritiker ist nun der Spiegel bzw. Öko-Test eingestiegen. Aber auch hier werden wieder Privatrenten aus Lebensversicherungen mit Riester-Modellen verglichen, die aber wegen des unterschiedlichen Sicherheits-Niveaus dieser Produkte eigentlich nicht vergleichbar sind.

Wer sich überlegt, ob er auch die Riester-Geldanlage einsteigen will, der sollte gezielt nach Angeboten Ausschau halten, die auch hinsichtlich ihrer Gestaltung transparent sind, die also Aussagen darüber machen können, welche Erträge den Einzahlungen später gegenüber stehen werden. Dies ist gegenwärtig für die Versicherungs-Modelle kaum gegeben; aber innerhalb politischen Entscheidungsträger wird über eine Verbesserung von Transparenz diskutiert. Weniger Probleme machen in diesem Zusammenhang die Kontensparmodelle der Riester-Geldanlage. Auch deren Rendite ist nicht weltbewegend doch unter Einbezug der staatlichen Förderung attraktiv als Ergänzung zu sonstigen Geldanlagemöglichkeiten.

Ob sich eine Riester-Geldanlage für einen selbst lohnt, kann man nur entscheiden, wenn man hierfür die notwendigen Daten kennt. Modelle, die dies nicht liefern können, sollte man sowieso nicht nur bei der Riester-Geldanlage vermeiden.

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  183. I truly love your blog.. Excellent colors & theme. Did you build this web site yourself? Please reply back as I’m planning to create my own site and would like to find out where you got this from or just what the theme is called. Thanks!

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  187. An outstanding share! I’ve just forwarded this onto a co-worker who had been conducting a little research on this. And he in fact bought me lunch because I found it for him… lol. So allow me to reword this…. Thank YOU for the meal!! But yeah, thanks for spending the time to talk about this issue here on your web site.

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  209. An outstanding share! I’ve just forwarded this onto a friend who had been doing a little research on this. And he actually bought me breakfast because I stumbled upon it for him… lol. So let me reword this…. Thank YOU for the meal!! But yeah, thanks for spending some time to talk about this matter here on your website.

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  237. After I initially commented I seem to have clicked the -Notify me when new comments are added- checkbox and now whenever a comment is added I get four emails with the same comment. Perhaps there is an easy method you are able to remove me from that service? Thanks a lot!

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  289. You’re so awesome! I don’t suppose I’ve truly read anything like this before. So good to find another person with a few original thoughts on this subject matter. Really.. many thanks for starting this up. This site is one thing that’s needed on the internet, someone with a little originality!

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