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In the heat, they seem to be in a semi-lethar­gic sta­te. Taxi is also very hot. Tami Joan reaches for the win­dow but­ton and wants to lower the win­dow a litt­le. The win­dow did not respond, but she did not feel sur­pri­sed. She reached out across 300–075 exam topics John and went to the other side of the win­dow, but he was over the­re too. At this moment she noti­ced that the door Exam­Gui­dePdf: Latest IT Cer­ti­fi­ca­ti­on Trai­ning Mate­ri­al, The fas­test way to pass your IT exam locks on both 70–533 design pdf sides had disap­peared. Not even the door. She gro­ping at Exam­Gui­dePdf: Latest IT Cer­ti­fi­ca­ti­on Trai­ning Mate­ri­al, The fas­test way to pass your IT exam the door with her hand to find the rem­nants of the bro­ken door hand­le. Not­hing at 200–310 tuto­ri­al all — as if someo­ne had sawn it with a hack­saw. 300–075 exam topics What hap­pen­ed John asked. 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Nicht nur der demo­gra­phi­sche Wan­del erschwert die Finan­zie­rung der gesetz­li­chen Ren­ten­ver­si­che­rung. Auch die begrenz­ten Mit­tel im Alter, die eine Auf­recht­erhal­tung des gewohn­ten Lebens­stan­dards erschwe­ren, machen eine pri­va­te Ren­te inzwi­schen unab­ding­bar. Die umfas­sen­de Alters­vor­sor­ge­be­ra­tung durch unse­re Ver­si­che­rungs­be­ra­ter Frei­burg gibt einen Über­blick über die Mög­lich­kei­ten.

Die pri­va­te Alters­vor­sor­ge

Die gesetz­li­che Alters­vor­sor­ge allei­ne genügt in vie­len Fäl­len nicht mehr, um den gewohn­ten Lebens­stan­dard auch im Ruhe­stand auf­recht zu erhal­ten. Die Ren­ten­bei­trä­ge stei­gen eben­falls an und bie­ten älte­ren Men­schen weni­ger Fle­xi­bi­li­tät bei der Wahl eige­ner Vor­sor­ge­mo­del­le. Umso wich­ti­ger ist eine umfas­sen­de Bera­tung durch einen Ver­si­che­rungs­mak­ler Frei­burg. Durch eine gute und aus­führ­li­che Bera­tung wird dar­über hin­aus auch sicher­ge­stellt, dass Model­le wie die Ries­ter- und Rürup-Ren­ten opti­mal genutzt wer­den und Sie etwai­ge Bezü­ge vom Staat opti­mal in das von Ihnen gewähl­te Modell ein­bin­den kön­nen.

Eine aus­führ­li­che Bera­tung ist ent­schei­dend

Bevor ein Ver­trag zur pri­va­ten Alters­vor­sor­ge abge­schlos­sen wird, ist Recher­che wich­tig. Betrof­fe­ne müs­sen sich aus­gie­big infor­mie­ren, um am Ende das best­mög­li­che Ange­bot zu erhal­ten. Durch eine gut geplan­te Wahl ist auch sicher­ge­stellt, dass die wich­tigs­ten Zuschüs­se ent­hal­ten sind, die vom Staat für die pri­va­te Ren­te zur Ver­fü­gung gestellt wer­den.
Wel­ches Ange­bot auf lan­ge Sicht am geeig­nets­ten ist, kann von Lai­en oft nicht durch­schaut wer­den. So gibt es bereits bei der Ren­di­te erheb­li­che Unter­schie­de – oft auch bei glei­cher Lauf­zeit und iden­ti­schen Bei­trags­zah­lun­gen. Auch Fak­to­ren wie die Höhe und Dau­er der Raten­zah­lun­gen kön­nen sowohl Spar­mög­lich­kei­ten als auch Fall­stri­cke beinhal­ten. Aus die­sem Grund müs­sen sämt­li­che Mög­lich­kei­ten mit einem Fach­mann bespro­chen wer­den. Am Ende kann eine Wahl getrof­fen wer­den, mit der Sie auf lan­ge Sicht zufrie­den sind.

Ries­ter- und Rürup-Ren­ten als Alter­na­ti­ve

Die Ries­ter- und Rürup-Ren­ten gehö­ren zu den bekann­tes­ten Model­len der pri­va­ten Alters­vor­sor­ge. Wäh­rend die Ries­ter-Ren­te vor­wie­gend von Per­so­nen mit Fest­an­stel­lung genutzt wird, kann die Rürup-Ren­te ohne Ein­schrän­kun­gen genutzt wer­den. Bei der Rürup-Ren­te kön­nen Beträ­ge und Aus­zah­lun­gen fle­xi­bel gewählt wer­den – die Ries­ter-Ren­te bie­tet dank staat­li­cher Unter­stüt­zung dage­gen einen grö­ße­ren finan­zi­el­len Spiel­raum. So kön­nen zu Beginn des Ren­ten­be­ginns grö­ße­re Geld­sum­men aus­ge­zahlt wer­den, etwa um ein Eigen­heim zu erwer­ben oder um eine Welt­rei­se zu unter­neh­men.
Für Per­so­nen mit hohem Ein­kom­men, die zudem selbst­stän­dig sind und eine indi­rek­te staat­li­che Unter­stüt­zung bevor­zu­gen, ist die Rürup-Ren­te die rich­ti­ge Wahl. Men­schen mit kin­der­geld­be­rech­tig­ten Kin­dern, die im Alter grö­ße­re Aus­ga­ben pla­nen, ent­schei­den sich für die Ries­ter-Ren­te. Neben die­sen bei­den Model­len gibt es wei­te­re Mög­lich­kei­ten zur pri­va­ten Alters­vor­sor­ge. Die Ver­si­che­rungs­be­ra­tung Frei­burg bespricht die­se Mög­lich­kei­ten gemein­sam mit Ihnen und hilft der Ent­schei­dungs­fin­dung. So ist die opti­ma­le Alters­vor­sor­ge im Alter sicher­ge­stellt.

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