Lohnt sich die Rürup-Rente wirklich?

[matze72]

Hallo,
als Selbstständiger habe ich zwecks Altersversorgung vor einigen Jahren eine Rürup-Rente abgeschlossen. Es wird ein jährlicher fixer Betrag eingezahlt, Sonderzahlungen sind ohne Maximalbetrag jederzeit möglich - bis zu einem bestimmten jährlichen Betrag, der mit der Beitragsbemessungsgrenze steigt, wird die Rürup-Rente steuerlich bezuschusst.

Errechne ich mir den Steuervorteil, der jedes Jahr steigt, lockt es natürlich, auch Sonderzahlungen zu tätigen. Mittlerweile höre ich aber immer wieder, dass man vorsichtig sein sollte, da auch die großen Versicherungskonzerne oft auf wackligen Beinen stehen. Mein Vertrag ist noch mit rund 2% festverzinst, was sich heute natürlich für die Konzerne nicht mehr erwirtschaften lässt.

Würdet ihr zusätzlich zur recht geringen festen jährlichen Summe Sonderzahlungen in die Rürup leisten? Wenn nein, welche Bedenken habt ihr?

Danke schon einmal für eure Meinungen!

 

[TemmyNonoguern]

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