Riester-Reform – Nur eine Erleichterung für die Anbieter

Müller Klaus
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Müller Klaus: Verbraucherzentrale Bundesverband e.V.Rudi-Dutschke-Str.17, 10969BerlinDeutschland

Zeitschrift für Wirtschaftspolitik, 2020, vol. 69, issue 3, 250-254

Abstract: The Riester pension was well thought out, but badly done. It is primarily the agents and insurance companies who benefit from Riester, while consumers hardly benefit at all – and if they do, it is only because of the generous state subsidy. The reform proposals to date do not eliminate the deficits, but are rather a restructuring plan for the supply side. However, private pension contracts should also pay off without subsidies. State-organised standard products in Sweden or Great Britain show how such efficiency can be achieved. The German “Verbraucherzentrale Bundesverband” has made a suggestion in this respect, the “Extrarente”: a public body pools consumer demand and can thus cost-effectively organise their capital investment on a share scheme basis.

Date: 2020
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DOI: 10.1515/zfwp-2020-2043

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