Lower taxes today, plan pension later.
Basisrente is often strong for self-employed people and high earners, but less flexible.
Produktbaustein
Einfach erklärt
Tax-based subsidy
At a high tax rate, often over 30 % of contributions come back via tax. The pension is taxed later, usually at a lower rate.
Insolvency protection
Capital is earmarked and protected.
Coffee and cake
Tax benefit plus a flexible second module, often VASP.
Honest about lock-in
No free access like a depot.
Provision
Subsidy and gap belong together.
We first check what already exists through statutory, tax and private routes. Then it becomes clear which module is missing.
Provision gap
48%
52%
Existing
To check
The figure is an orientation image, not your calculation. In the call we check the real need.52 %
Who Basisrente fits
- You are self-employed.
- You pay high taxes.
- You want long-term pension.
- You need insolvency protection.
Check tax effect
- 1Income and tax rate
- 2Self-employment
- 3Existing pension
- 4Need for flexibility
Provision
How your plan becomes complete.
Check it cleanly in the first call
Basisrente is often strong for self-employed people and high earners, but less flexible.