Riester-Rente oder Festgeldkonten?

Diskutiere Riester-Rente oder Festgeldkonten? im Riester-Rente Forum im Bereich Altersvorsorge; Hallo, was meint ihr ist für das Alter die bessere Alternative, eine Riester-Rente oder doch lieber einfach ein Festgeldkonto?
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DominikB1982

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Hallo,

was meint ihr ist für das Alter die bessere Alternative, eine Riester-Rente oder doch lieber einfach ein Festgeldkonto?
 
M

MarcelWalter

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Hallo,

das Problem bei der Riester-Rente ist oftmals, dass die Vertragskosten oft einen Grossteil der Renditechancen direkt wieder zunichte machen und die meisten so einen Vertrag abschließen ohne sich darüber im klaren zu sein, ein Festgeldkonto würde auch nicht viel bringen, da es kaum Verzisung gibt,
wenn du etwas machen möchtest, dann würde ich dir immer Immobilien empfehlen und falls du etwas risikofreudiger bist, kannst du es auch mit Aktien probieren, da ist aber vorischtig geboten und ich würde niemals mein komplettes Kapital in Aktien investieren, da hast du immer noch die besten Renditechacnen,
laut diesem Artikel ( http://www.anbieter-vergleichen.de/private-altersvorsorge-junge-leute-sparen-zu-wenig.html ) , wird es für die heutige Jugend im Alter ganz schön schwierig werden, weil kaum jemand sich über seine Altersvorsorge Gedanken macht und viele einfach in die Altersarmut rutschen werden.
 
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pecunia

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Mit klassischen Anlageformen um für das Alter vorzusorgen ist grundsätzlich sicher nicht verkehrt. Jedoch musst du dir auch bewusst vor Augen führen, was du später im Leben zur Verfügung haben möchtest und (viel mehr noch) was du jetzt bereit bist anzulegen. Mit einer Riester-Rente liegst man nie verkehrt. Das einzige "Problem" an dieser Art der Altersvorsorge ist derzeit der Garantiezins, den dir die verschiedenen Rentenfonds anbieten können. Dieser ist aktuell, auch durch die Geldpolitik der EZB, sehr niedrig. Jedoch besteht hier die Möglichkeit, seine Einzahlungen variabel zu gestalten und den Umständen anzupassen. Eine Altersvorsorge in Form einer Anlage in ein Festgeldkonto oder einer Riester-Rente tut sich nicht sonderlich viel. Persönlich würde ich jedoch eher zu einer Riester-Rente raten. Weiterhin kannst du ab einem Alter von 50 Jahren durch Zusatzbeiträge in die gesetzliche Rentenkasse deinen Rentenanspruch erhöhen.

Eine weitere Möglichkeit ist, wie mein Vorredner schon angemerkt hat, eine Investition in Immobilien. Da der Immobilienzins derzeit so günstig ist wie nie. Eine Rate in Höhe von 441,00€ im Juni für einen Standardimmobilienkredit bei einer Gesamtsumme von 150'000,00€ und einer Tilgung von 2% sowie eine Beleihung von 80% mit zehnjähriger Zinsbindung. Trotzdem wird es für dich, und auch allen anderen hier, schwerer denn je sein, einen Kredit beantragen und gestattet bekommen zu können. Denn durch die neuen EU-Richtlinien zur Kreditvergabe seit Ende März erhalten auch Interessenten mit guter Bonität vermehrt eine Absage für den Kredit. Die Banken orientieren sich jetzt nur noch an Alter und Kreditwürdigkeit und nicht mehr an den Wert der Investition oder etwaige Wertzuwächse.
 
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Riester-Rente oder Festgeldkonten?

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