Smart retirement saving with the ETF Rürup

For any taxpayer in Germany: The first Rürup funds saving plan with free ETF selection and guaranteed pension conditions

  • Individual ETF portfolio

    Free fund selection from over 200 ETFs, cheap ETF world portfolios (from 0.12 % OGC)

  • Tax benefits

    Deduct more than EUR 20,000 from taxes – double the amount for spouses

  • Low cost

    No up-front commission, no order fees, just EUR 36 + 0.4 % p.a.

  • Flexible contributions

    Adjust contributions online and make flexible deposits at any time – no mandatory savings plan!

Get ETF Rürup offer now
Finanztip Rürup Siegel

More than EUR 20,000 in tax benefits

Calculate your tax benefit

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We assume that 18.6 % of your salary is contributed to the compulsory state pension insurance (if insured) plus the ETF Rürup contributions of 94% minus employers' share (in the case of employees) are deducted as special expenses for tax purposes. The tax effects were estimated on the basis of your calculation basis.
  • The big advantage of Rürup is the tax advantages. You can deduct your contributions every year as pension expenses in the tax return - up to EUR 25,639 in 2022.
  • At present, the state approves the contributions pro rata (94%). However, this percentage increases every year, so that you can deduct from the year 2025 your Rürup contributions to 100 %.
  • Means: 2022 are a maximum of EUR 24,100 deductible. For spouses, the deductible amount even doubles to EUR 48,201.
  • In the payout phase your Rürup pension will then be taxed with your personal income tax rate.

The ETF Rürup is suitable for

Self-employed

who receive no state pension in old age

High-earners

who want to benefit from the high tax benefits and return opportunities

Employees and civil servants

who want to increase their private pension plans and deduct the contributions from the tax

The ETF Rürup guide

Clarify all your questions with our ETF Rürup guide: cost, subsidies, portfolio, closing, dependent's insurance and more!

Free guide download

Retire happily with Raisin Pension

Karl Wickert
Dr. Karl Wickert
Happy retiree

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!

All advantages at a glance

Free fund selection

You invest in index funds. Put together your own portfolio from over 200 ETFs and choose the equity allocation yourself.
More about the funds >

Calculate offer

Do you already have a Rürup contract and would like to switch?

Switch to ETF Rürup

Our switching experience with providers

Select your provider:

A | Switch and transfer your assets

Your provider has agreed to contract switches in the past and it is therefore probable that you will be able to transfer your assets to your ETF Rürup. For reliable information, ask you provider.

B | Cancel contributions and switch:

Your provider has not agreed to a switch in the past. However, you can simply cancel future contributions to your old contract and sign a new ETF Rürup contract to profit from tax deductions. In the retirement phase you will then receive pensions from both contracts.

Risk Calculator

Simulate your accumulation phase over all the historical periods of identical length since 1900: That's what would have happened in the best, medium and worst case.

The graphical simulation shows the investment and payout phases.
Note: Every time you change a parameter, the simulation runs again, which can result in completely new best/medium/bad periods. And of course, despite a comprehensive data base, variability, and care taken in the preparations and certain adjustments, the calculation gives no certainty or guarantee for the future!

The calculation:
The calculation is based on all equally long actual historical paths of a world portfolio of stocks / bonds since the year 1900, from which the worst and best periods are determined. We have deducted all our costs from the calculated return. In doing so, we consider historical inflation values for both the contributions shown and the regular payouts, therefore simulating only historical net returns after inflation. That is, the lines do not grow nominally on the timeline with the contributions and the returns but inflation is always included over time. We have deducted all our costs from the calculated return. The database for the calculation is based on our own analyzes based on Dimson / Marsh / Staunton, Ibbotson SBBI, MSCI and the Bundes­bank.
Example: A shown terminal lump sum of EUR 100,000 actually equals EUR 100,000 in today’s purchasing power. The simulation therefore also includes a historical compensation for inflation in the contributions. With a starting monthly contribution of EUR 200, the saver would always invest EUR 200 according to the current purchasing power until the desired start of the payout, thus de facto increasing their contribution by 2 % per annum.

The Raisin Pension funds mixer

You decide for yourself how to build up your pension capital. With our fund mixer you can adjust your selection at any time.

Sutor Bank adjusts your investment portfolio automatically and free of charge if its allocation no longer meets the requirements of your desired portfolio. Rebalancing always takes place on the 10th of the month. You can contradict rebalancing at any time.

The ETF Rürup guide

Clarify all your questions with our ETF Rürup guide: cost, subsidies, portfolio, closing, dependent's insurance and more!

Free guide download

Frequently asked questions about security

Certification

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.

Partners

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.

Risks

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.

Deposit Insurance

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.

Separate assets

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.

Powerful partner on your side

We do not have access to your money at any time. Your assets are managed by our financial and insurance partners.

Our banking partner – Sutor Bank

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.

Our insurance partner – myLife Lebens­versicherung

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.

Sample Product Information Sheets (PIB) and custom Product Information Sheets (PIB)
Download

More Rürup information (in German)

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