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
Dr. Karl Wickert
I can strongly recommend the concept based on ETFs because savers benefit in the long run. Also, the guaranteed annuity conditions have convinced me - my pension is now 26 % higher than with my old provider!
You invest in index funds. Put together your own portfolio from over 200 ETFs and choose the equity allocation yourself.
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You can claim your contributions every year in the tax return – for the year 2022, this is up to EUR 25,639. Married couples can even claim double (up to EUR 51,278).
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. Legally, Rürup contracts cannot be cancelled. You may, however, pause your contributions or switch to a different provider at no additional cost.
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 >
Select your provider:
You decide for yourself how to build up your pension capital. With our fund mixer you can adjust your selection at any time.
Yes. The fund savings plan ETF Rürup was certified under the name "Raisin Pension Rürup" and the number 006078 by the certification authority of the Federal Central Tax Office. It fulfills all legal requirements.
Our fund savings plans are managed by Max Heinr. Sutor oHG. As a customer, you will receive your own account with IBAN, on which your deposits flow. In addition, the Sutor Bank will hold a securities account for you in which your fund shares will be kept. 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.
You will receive your later pension payments from myLife Lebensversicherung AG. The insurance company from Göttingen is the only life insurer in Germany to offer its customers only commission-free net tariffs. From the independent analysis house Morgen & Morgen myLife received the top grade "very good" in the stress test. In addition, it is certified by the renowned rating agency Assekurata a strong financial strength (A-) with a stable outlook. For the year 2022 myLife offers a total return of 2.00 %.
Sutor Bank manages the deposits for ETF Rürup contracts. myLife Lebensversicherung is in charge of paying out the pension.
Risk reduction through diversification
A broad set-up of your funds ("diversification") reduces the risk. First, your portfolio will be divided into different asset classes, especially equity and bonds. The equity investment is futhermore spread worldwide over several hundred shares, which reduces the risk of a single security.
The German Deposit Insurance Act (EinSiG) states: Your deposits, which are between your cash receipt and fund purchase for a short time on your clearing account, are protected up to an amount of EUR 100,000.
Your capital, which you build up by the acquisition of fund shares over the years, are so-called separate assets. This means that your fund shares are not part of the assets of the Sutor Bank. In the event of an unlikely bankruptcy of Sutor, your assets will be remaining. Creditors have no claims or access to your securities; they are and will remain your property.
Stability of the life insurance
The myLife Lebensversicherung has a very high solvency, which means that it has enough equity capital. The so-called solvency ratio is an indicator of the performance and reliability of an insurance company in the event of a crisis. If an insurance company has enough own funds, the quota is 100 %. With a quota of 247 % (as of 2020), the myLife life insurance clearly meets the legal requirements.
Protektor as a safety net
Should an insurance company come into financial difficulties despite government regulations, Protektor Lebensversicherungs-AG intervenes. It is the security institution of all German life insurers and manages the statutory security fund for life insurers.
Raisin Pension GmbH will never have access to your money. Therefore, an unlikely bankruptcy would not affect your saved assets. They are managed by Sutor Bank or myLife Lebensversicherung AG. They would then also take over the customer service and the direct communication with you.
In the unlikely event that the Sutor bank goes bankrupt, your fund shares are protected in your Rürup securities account. They are and will remain your property, to which no creditor has access. If you have money on your ETF Rürup account, this is covered by the statutory deposit insurance.
The security institution of German life insurers protects you from the consequences of a possible insolvency of myLife Lebensversicherung AG: the Protektor Lebensversicherungs-AG. It continues the contracts, the benefits are retained, as well as the already granted profit sharing. Your pension is secured.
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.