Every day, an expert from the T-Online Councilor editorial team answers a reader question about money. Today: I am self -employed and work for a good two years to 67. Which systems make sense?
Anyone who is employed automatically releases part of their salary to the pension fund – and receives pension claims. Freelancers such as doctors or lawyers often have a pension plant that ensures a capital -covered pension. On the other hand, if you are self -employed, you usually have to take care of your own way in old age. So also a reader of T-Online.
She is 65 today and would like to stop working in two years. She put aside some money and asks: “How can I put it worthwhile?”
The private provision that the state has provided for self-employed is the basic pension, colloquially also called Rürup pension. Each year, savers can deposit a five -digit amount into a contract and deduct from the tax, in 2025 the maximum amount is just under 30,000 euros. Contributions are created either conservatively or in equity funds or ETFs. The later pension is taxed with the income share. 2025 is 83.5 percent, then 100 percent from 2058. Read more about the tax on the Rürup pension here.
In theory, you can also conclude a Rürup contract beyond the age of 60, such as one who incorporates the money in cheap stock markets traded and has low final costs. The “Finanztip” gunner recommends Sutor Bank’s ETF-Rürup via Raisin. The payment of the pension can be postponed up to the age of 85.
However, this is particularly worthwhile for well -earned self -employed people who take advantage of the tax advantage and can wait ten years or more for their additional pension. Because a system on the stock market should be designed in the long term to compensate for fluctuations.
The easier way to invest money is without funding. An ETF savings plan is cheap and flexibly adaptable to your own financial situation. For this you need a securities depot at a bank or a broker. There you can invest a certain – even small – amount in an ETF of your choice every month. Wide scattered stocks are ideal, but there are also ETFs that reflect the returns of government bonds, or so-called money market funds, which represent the current deposit rate of the European Central Bank (ECB). Read here which ETFs are suitable for a savings plan.
It is also important here that you save in the long term, i.e. the view of several years, and not suddenly withdraw your money, but gradually remove. Anyone who is worried about fluctuations on the stock exchange and prefer to be quite safe, remain fixed deposits or overnight money as investment options. During the fixed deposit, leave your money for one to five years of a bank that works with it: you will receive a fixed interest in advance. There are currently around 2.6 percent per year for 24 months.
For some self -employed people, it can also make sense to voluntarily pay into statutory pension insurance. This applies, for example, if they have been legally insured in the past, but have not yet been together for five years of contributions. You are only entitled to an old -age pension from this minimum insurance period. You could then buy the missing years or months with voluntary contributions.
