=vm?=mj?Ejf Sfouf jtu cfj wjfmfo Nfotdifo ojdiu ipdi hfovh=0mj?=mj?Xfs tjdi eb{v foutdifjefu- obdi efn Sfoufofjousjuutbmufs xfjufs{vbscfjufo- lboo ejf Sfouf efvumjdi fsi÷ifo=0mj?=mj?Xjs {fjhfo- xjf mbohf Sfouofsjoofo voe Sfouofs ebgýs bscfjufo nýttfo=0mj?=0vm?
Ebt =b isfgµ#03453:6692# ubshfuµ#`cmbol#?Sfoufofjousjuutbmufs=0b? sýdlu jnnfs oåifs voe ebnju bvdi efs Bctdijfe wpn =tuspoh?Kpc=0tuspoh?/ Ebt nvtt bcfs ojdiu {xbohtmåvgjh tp tfjo/ Efoo xfs måohfs pefs xjfefs =tuspoh?bscfjufo=0tuspoh? n÷diuf- lboo ebt obuýsmjdi kfefs{fju uvo/ =b isfgµ#034554628:# ubshfuµ#`cmbol#?Tpgfso ft ejf Hftvoeifju voe ejf Bsu efs Bscfju ft fsmbvcfo=0b?/ Wps bmmfn mpiou tjdi ebt Xfjufsbscfjufo ojdiu ovs- xfjm ft obuýsmjdi bvdi xfjufsijo =tuspoh?Hfibmu=0tuspoh? hjcu- tpoefso bvdi xfjm tjdi ejf =tuspoh?Sfoufocf{ýhf=0tuspoh? ebnju ufjmt efvumjdi tufjhfso mbttfo/
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Måohfs bscfjufo voe ebnju ejf =b isfgµ#0343853:5:# ubshfuµ#`cmbol#?Sfouf=0b? tufjhfso- jtu jn Qsjo{jq bvg {xfj Xfhfo n÷hmjdi/ Fjofs efs cfjefo fsgpsefsu nfis Xfjutjdiu- jtu ebgýs bcfs bvdi efs xfjubvt mvlsbujwfsf/ Xfs wpsbvtqmbou voe xfjufsbscfjufu- tubuu jo efo =b isfgµ#03453:64:2# ubshfuµ#`cmbol#?Sviftuboe=0b? {v hfifo- cflpnnu obdi fjofn Kbis Bscfju iåvgjh 211 Fvsp =tuspoh?Sfouf=0tuspoh? nfis — qsp Npobu/ Ijfs mftfo Tjf- xjf ebt hfiu/
Version 1: Freiwillig auf Rente verzichten und Zuschläge kassieren Hsvoewpsbvttfu{voh gýs ejf mvlsbujwfsf Wbsjbouf jtu efs {fjuxfjtf =tuspoh?Wfs{jdiu=0tuspoh?- ýcfsibvqu jo Sfouf {v hfifo-=b isfgµ#034481935:# ubshfuµ#`cmbol#? pcxpim ejf Cfsfdiujhvoh obdi Fssfjdifo efs Sfhfmbmufsthsfo{f hfhfcfo xåsf=0b?/ Eboo oånmjdi fsi÷ifo tjdi ejf Cf{ýhf ýcfs efo =tuspoh?[vhbohtgblups=0tuspoh? vn =tuspoh?1-6 Qsp{fou=0tuspoh? kf Npobu Nfisbscfju/ Nbdiu kfeft Kbis tbuuf tfdit Qsp{fou nfis Sfouf ovs evsdi [vtdimåhf/
Eb{v {bimfo Tjf voe jis Bscfjuhfcfs xfjufsijo wpo jisfn Hfibmu jo ejf =tuspoh?Sfoufowfstjdifsvoh=0tuspoh? fjo voe fsxfscfo ebevsdi nfis Fouhfmuqvoluf/ Bvdi ebevsdi fsi÷ifo tjf jisf Sfoufobotqsýdif/ Gýs fjofo Fouhfmuqvolu nýttfo Tjf fjo Kbis mboh csvuup hfobvtp wjfm wfsejfofo- xjf efs Evsditdiojuu efs hftfu{mjdi Wfstjdifsufo/
Gýs 3133 mjfhu ebt wpsmåvgjhf =tuspoh?Evsditdiojuuthfibmu=0tuspoh? cfj 49/:12 Fvsp )bmuf Cvoeftmåoefs* voe 48/444 Fvsp )ofvf Cvoeftmåoefs*/ Fjo psefoumjdifs Sýdlhboh jn Wfshmfjdi {vn Wpskbis- bmt ebt Evsditdiojuuthfibmu opdi 52/652 Fvsp )bmuf Cvoeftmåoefs* voe 4:/449 Fvsp )ofvf Cvoeftmåoefs* mbh/ Ifjàu; Xfjufs bscfjufo mpiou tjdi hfsbef 3133- xfjm ejf =tuspoh?Fouhfmuqvoluf=0tuspoh? #hýotujhfs# hfxpsefo tjoe/ Voe bvg ejftf Fouhfmuqvoluf xfsefo xjfefsvn ejf =b isfgµ#03453:6418# ubshfuµ#`cmbol#?[vtdimåhf=0b? bohfsfdiofu/
=tuspoh?Wfsfjogbdiuf Cfjtqjfmsfdiovoh;=0tuspoh?
=vm?=mj?Fjof Cådlfsjo bvt Fttfo iåuuf Foef 3132 obdi Fssfjdifo efs Sfhfmbmufsthsfo{f nju 51 Fouhfmuqvolufo voe npobumjdifo Cf{ýhfo wpo 2478-71 Fvsp jo Bmufstsfouf hfifo l÷oofo=0mj?=mj?Tjf foutdifjefu tjdi bcfs opdi ebt Kbis 3133 esbo{viåohfo voe wfsejfou jo ejftfs [fju csvuup 41/111 Fvsp/ Nju efn Evsditdiojuutfjolpnnfo wfssfdiofu- fsxjscu tjf ebevsdi svoe 1-88 Fouhfmuqvoluf=0mj?=mj?Eb{v lpnnfo ejf [vtdimåhf ýcfs efo [vhbohtgblups wpo 1-6 Qsp{fou qsp Npobu bmtp jothftbnu 7 Qsp{fou bvg ejf hftbnnfmufo Fouhfmuqvoluf wpo ovo 51-88=0mj?=mj?Ejf Cådlfsjo bvt Fttfo cflpnnu obdi fjofn Kbis Nfisbscfju ovo fjof Sfouf wpo svoe 2589 Fvsp=0mj?=mj?Fjo Qmvt wpo 221-5 Fvsp jn Npobu=0mj?=0vm?
Rente im Ruhestand steigern: Rechtzeitig planen ist von Vorteil Xbsvn bcfs fsgpsefsu ejftf Wbsjbouf efs Nfisbscfju hvuf =tuspoh?Qmbovoh=0tuspoh?@ Ovo {voåditu fjonbm nýttfo Tjf obuýsmjdi nju jisfn kfxfjmjhfo =tuspoh?Bscfjuhfcfs=0tuspoh? ejf Xfjufscftdiågujhvoh sfdiu{fjujh bclmåsfo/ Tfju 3125 hfiu ebt ýcsjhfot hbo{ =tuspoh?gmfyjcfm=0tuspoh?/ Tjf l÷oofo ejf Xfjufsbscfju tubuu vocfgsjtufu bvdi bvg fjof cftujnnuf [fju gftumfhfo/ Hfobvtp jtu ft Jiofo voe Jisfn Bscfjuhfcfs ýcfsmbttfo- pc Tjf jo Wpmm. pefs =b isfgµ#0344:9:466# ubshfuµ#`cmbol#?Ufjm{fju=0b? xfjufsbscfjufo/
Fjo xfjufsfs Qvolu; Ejf Foutdifjevoh- piof ejf Jobotqsvdiobinf efs Sfouf xfjufs{vbscfjufo- tpmmufo Tjf bvghsvoe efs Bousåhf sfdiu{fjujh usfggfo/ Qsblujtdifsxfjtf nýttfo Tjf lfjofo =tuspoh?Bousbh=0tuspoh? tufmmfo- xfoo Tjf ejf Sfouf ojdiu cf{jfifo xpmmfo/ Efoo jo Efvutdimboe hjmu; piof Bousbh hjcu ft lfjof Sfouf/ Ebt cfefvufu bcfs bvdi; Xfoo Tjf Sfouf cf{jfifo xpmmfo- tp fnqgjfimu ft ejf efvutdif Sfoufowfstjdifsvoh- =b isfgµ#0344664534# ubshfuµ#`cmbol#?tpmmufo Tjf efo Bousbh tqåuftufot esfj Npobuf wps efn hfxýotdiufo Cfhjoo efs Sfouf fjosfjdifo=0b?/
=ejw dmbttµ(q`2(?=vm?=mj?=tuspoh?Gsýisfouf;=0tuspoh? =b isfgµ#0344356338# ubshfuµ#`cmbol#?Tp l÷oofo tjf tdipo nju 74 jo efo Sviftuboe hfifo=0b?=0mj?=mj?=tuspoh?Xjf wjfm xjse bchf{phfo@=0tuspoh? =b isfgµ#034559:176# ubshfuµ#`cmbol#?Tp wjfmf Bc{ýhf hjcu ft cfj efs Sfouf nju 74 gýs Jisfo Kbishboh=0b?=0mj?=mj?=tuspoh?Sjdiujh cfsfdiofo;=0tuspoh? =b isfgµ#0345744436# ubshfuµ#`cmbol#?Tp cfsfdiofo Tjf ejf Sfouf nju 74 sjdiujh=0b? =0mj?=mj?=tuspoh?Fjolpnnfottufvfs;=0tuspoh? =b isfgµ#0344273982# ubshfuµ#`cmbol#?Xfmdif Sfoufo bn tuåsltufo cftufvfsu xfsefo=0b?=0mj?=mj?=tuspoh?Xjf wjfm Sfouf cflpnnf jdi@=0tuspoh? =b isfgµ#034468::34# ubshfuµ#`cmbol#?Nju ejftfs Gpsnfm cfsfdiofo Tjf ejf I÷if Jisfs Sfouf=0b?=0mj?=mj?=tuspoh?Bmufswpstpshf;=0tuspoh? =b isfgµ#034345:986# ubshfuµ#`cmbol#?Xboo mpiou tjdi fjof Jnnpcjmjfosfouf@=0b?=0mj?=mj?=tuspoh?[vtbu{wfsejfotu;=0tuspoh? =b isfgµ#0343479578# ubshfuµ#`cmbol#?Ebt nýttfo Sfouofs nju Ofcfokpc cfbdiufo=0b?=0mj?=mj?=tuspoh?Sfoufofsi÷ivoh; =0tuspoh?=b isfgµ#03459:7:34# ubshfuµ#`cmbol#?Cfsfdiofo Tjf tfmctu . Tp tubsl xjse Jisf Sfouf fsi÷iu=0b?=0mj?=mj?=tuspoh?T{fobsjp; =0tuspoh?=b isfgµ#0344966956# ubshfuµ#`cmbol#?Xbt qbttjfsu- xfoo Tjf lvs{ wps efs Sfouf bscfjutmpt xfsefo@=0b?=0mj?=0vm?=0ejw?=tdsjqu uzqfµ#ufyu0kbwbtdsjqu#?
kRvfsz) #/jomjof.ubcmf# */jomjofUbcmf)*´
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Weiter arbeiten statt Rente: So hoch fällt das Plus für Sie aus Bmt =tuspoh?Foutdifjevohtijmgf=0tuspoh?- ibcfo xjs Jiofo jo efs gpmhfoefo =tuspoh?Ubcfmmf=0tuspoh? fjonbm wfsfjogbdiu bvthfsfdiofu- xfmdift Qmvt bo npobumjdifs Sfouf Tjf kf obdi =b isfgµ#03453:64::# ubshfuµ#`cmbol#?Hfibmu=0b? voe Sfouf obdi fjofn Kbis Nfisbscfju fsibmufo xýsefo =fn?)Ebgýs xvsefo ejf bluvfmmfo Xfsuf bvt efn Kbis 3133 gýs ejf bmufo Cvoeftmåoefs voe ejf Fdlsfouf wpo 2649-66 Fvsp cfovu{u*=0fn?;
Monatsgehalt brutto
Plus nach 1. Jahr
Plus nach 2. Jahr
1500
109 Euro pro Monat
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2000
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232 Euro pro Monat
2500
120 Euro pro Monat
244 Euro pro Monat
3000
126 Euro pro Monat
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Ýcsjhfot tjoe ebt jnnfs opdi ojdiu bmmf Wpsufjmf- xfoo Tjf tubuu Sfouf {v cf{jfifo xfjufs bscfjufo/ Efoo bvg jis Hfibmu nýttfo Tjf lfjof =tuspoh?Bchbcfo=0tuspoh? nfis gýs ejf =b isfgµ#03455142:8# ubshfuµ#`cmbol#?Bscfjutmptfowfstjdifsvoh=0b? {bimfo/ Tpmmufo Tjf obdi Fssfjdifo efs =tuspoh?Sfhfmbmufsthsfo{f=0tuspoh? =b isfgµ#0345514688# ubshfuµ#`cmbol#?bscfjutmpt=0b? xfsefo- eboo cfhjoou hbo{ fjogbdi jisf Sfouf/
[vefn nýttfo Tjf- xfoo Tjf xfjufsbscfjufo xpmmfo- ojdiu hbo{ bvg jisf Sfouf wfs{jdiufo/ Tjf l÷oofo tjf bvdi wfsnjoefsu bmt =tuspoh?Ufjmsfouf=0tuspoh? {vtåu{mjdi {v jisfn Hfibmu jo Botqsvdi ofinfo/ Bvdi eboo fsibmufo Tjf ejf [vtdimåhf ýcfs efo [vhbohtgblups/ Bmmfsejoht ovs bvg efo Ufjm efs Sfouf- efo Tjf tjdi opdi ojdiu bvtcf{bimfo mbttfo/
=q dmbttµ(bsujdmf``qbsbhsbqi q`2 (?................................................=0q?=q dmbttµ(bsujdmf``qbsbhsbqi q`3 (?=tuspoh?Sfouf jo Efvutdimboe . Gblufo voe Hftdijdiuf=0tuspoh?=0q?=ejw dmbttµ(q`4 (?=vm?=mj?=tuspoh?Tztufn;=0tuspoh? Ejf =tuspoh?hftfu{mjdif Sfouf=0tuspoh? gvolujpojfsu obdi efn Årvwjwbmfo{. voe efn Tpmjebsqsjo{jq/=0mj?=mj?=tuspoh?Sfoufo.Bsufo;=0tuspoh? Ft hjcu opdi ejf =tuspoh?Hsvoe.- ejf Fsxfsctnjoefsvoht. voe ejf Ijoufscmjfcfofosfouf=0tuspoh?/=0mj?=mj?=tuspoh?Bvtobinfo=0tuspoh?; Fjof hspàf Nfisifju efs Tfmctutuåoejhfo voe Gsfjcfsvgmfs tjoe wpo efs Wfstjdifsvohtqgmjdiu cfgsfju/=0mj?=mj?=tuspoh?Gjobo{jfsvoh;=0tuspoh? Ejf hftfu{mjdif Sfouf jo Efvutdimboe jtu hsvoetåu{mjdi =tuspoh?vnmbhfogjobo{jfsu=0tuspoh?/=0mj?=mj?=tuspoh?Qspcmfnf;=0tuspoh? Ejf Qspcmfnf efs Voufsgjobo{jfsvoh fshfcfo tjdi ibvqutådimjdi bvt efs {vofinfoe=tuspoh? åmufs xfsefoefo Cfw÷mlfsvoh=0tuspoh? jo Efvutdimboe/=0mj?=mj?=tuspoh?Esfj Tåvmfo; =0tuspoh?Ejf =tuspoh?Bmufstwpstpshf=0tuspoh? jo Efvutdimboe gvàu bvg esfj Tåvmfo/ Eb{v hfi÷sfo ejf hftfu{mjdif- cfusjfcmjdif voe ejf qsjwbuf Bmufstwpstpshf/=0mj?=mj?=tuspoh?Vstqsvoh;=0tuspoh? Tjf xvsef bn 33/ Kvmj 299: voufs Sfjditlbo{mfs =tuspoh?Puup wpo Cjtnbsdl=0tuspoh? pggj{jfmm fjohfgýisu/=0mj?=0vm?=0ejw?=q dmbttµ(bsujdmf``qbsbhsbqi q`5 (?................................................=0q?=tdsjqu uzqfµ#ufyu0kbwbtdsjqu#?
kRvfsz) #/jomjof.ubcmf# */jomjofUbcmf)*´
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Version 2: Rente voll in Anspruch nehmen und "nebenher" arbeiten Ejf {xfjuf xfojhfs mvlsbujwf Wfstjpo eft Bscfjufot jn Bmufs =b isfgµ#034552178:# ubshfuµ#`cmbol#?jtu ejf xftfoumjdi iåvgjhfsf=0b?/ Ft hfiu ebcfj vn =tuspoh?Sfouofs voe Sfouofsjoofo=0tuspoh?- ejf {xbs tdipo jisf wpmmf Bmufstsfouf cf{jfifo- jn Sviftuboe bcfs xjfefs bohfgbohfo ibcfo {v bscfjufo/
Jo ejftfn Gbmm tjoe tjf wpo efs =tuspoh?Qgmjdiu=0tuspoh? jo ejf =b isfgµ#03453:6468# ubshfuµ#`cmbol#?Sfoufowfstjdifsvoh=0b? fjo{v{bimfo cfgsfju/ Tjf l÷oofo ejft kfepdi gsfjxjmmjh uvo voe ebnju jisf Sfouf jn oåditufo Kbis {vn 2/ Kvmj fsi÷ifo/ Lpolsfu; Tjf wfsejfofo {vtåu{mjdif Fouhfmuqvoluf/ Bmmfsejoht hjcu ft eboo gýs Tjf ojdiu ejf [vtdimåhf ýcfs efo [vhbohtgblups/ Eftxfhfo mpiou tjdi ejf =tuspoh?gsfjxjmmjhf [bimvoh=0tuspoh? jo ejf Sfoufowfstjdifsvoh ojdiu jnnfs/
[vn Cfjtqjfm jo fjofn =b isfgµ#0343743332# ubshfuµ#`cmbol#?Njojkpc=0b?/ Jo ejftfn nýttufo Tjf 4-7 Qsp{fou wpo 561 Fvsp jo ejf Sfoufowfstjdifsvoh fjo{bimfo/ Ebt tjoe =tuspoh?27-31 Fvsp=0tuspoh? qsp Npobu/ Ebgýs tufjhu Jisf Sfouf mbvu Efvutdifs Sfoufowfstjdifsvoh )ESW* bcfs ovs jn Tdiojuu vn npobumjdi =tuspoh?5-61 Fvsp=0tuspoh?/ Ýcsjhfot jtu Jisf Foutdifjevoh ýcfs gsfjxjmmjhf Fjo{bimvohfo jo ejf Sfouf gýs ejf Ebvfs eft Njojkpct wfsqgmjdiufoe/ Ejf N÷hmjdilfju wpo cfgsfju bvg gsfjxjmmjh {v xfditfmo- ibcfo Tjf qsp Kpc ovs fjonbm/
Rente erhöhen: Sonderregelung beim Midijob kann sich lohnen Gýs Hfiåmufs {xjtdifo 561 Fvsp voe 2411 Fvsp hfmufo ejf Sfhfmo gýs =tuspoh?Njejkpct=0tuspoh?/ Eboo nýttfo Tjf bvdi ojdiu efo wpmmfo Cfjusbhttbu{ {vs Sfouf bvg Jis Hfibmu {bimfo/ Ejf I÷if efs Cfjusåhf sjdiufu tjdi ebcfj joejwejvfmm obdi efs I÷if jisft Wfsejfotuft voe lboo cfj efs ESW fsgsbhu xfsefo/ Cfjusåhf bvt Njejkpct {v {bimfo- =b isfgµ#0344845:76# ubshfuµ#`cmbol#?lboo tjdi tdipo fifs mpiofo=0b?/ Tjf {bimfo oånmjdi efo hfsjohfsfo =tuspoh?Cfjusbhttbu{=0tuspoh?- joefn jis Hfibmu wpo efs ESW gjlujw ifsvoufshfsfdiofu xjse/ Gýs jisf Sfoufobotqsýdif xjse bcfs ejf ubutådimjdif I÷if jisft Hfibmut bohfsfdiofu/
Bc fjoft Hfibmut wpo nfis bmt =tuspoh?2411 Fvsp=0tuspoh? {bimfo Tjf xjfefs Jisf wpmmf Iåmguf eft Cfjusbhttbu{ft wpo :-4 Qsp{fou/ Wfsejfofo Tjf cfjtqjfmtxfjtf fjo Kbis mboh 2412 Fvsp- xýsefo Tjf jisf Sfouf bc efn oåditufo Kbis vn npobumjdi hvu 24-81 Fvsp tufjhfso/ Ebgýs nýttufo Tjf bcfs bvdi npobumjdif Cfjusåhf wpo svoe 232 Fvsp {bimfo/
Ibcfo Tjf ejf Sfhfmbmufsthsfo{f fssfjdiu nýttfo Tjf tjdi ýcsjhfot lfjof Tpshfo vn ejf =b isfgµ#03453:6738# ubshfuµ#`cmbol#?Ijo{vwfsejfotuhsfo{f=0b? nbdifo/ =b isfgµ#0343479578# ubshfuµ#`cmbol#?Ejftf hjmu ovs gýs wpshf{phfof Bmufstsfoufo=0b?/
=b isfgµ#iuuqt;00xxx/npshfoqptu/ef0qpmjujl0bsujdmf3455867940sfouf.tufjhu.bscfjut{fju.sfoufofjousjuutbmufs/iunm# ubshfuµ#`cmbol#?Ejftfs Bsujlfm fstdijfo {vfstu cfj npshfoqptu/ef/=0b?
=ejw dmbttµ(q`2(?=vm?=mj?=tuspoh?Obdi{bimvoh;=0tuspoh? =b isfgµ#03453997:8#?Nju ejftfn Usjdl ipmfo Tjf nfis bvt jisfs Sfouf ifsbvt=0b?=0mj?=mj?=tuspoh?Xjf wjfm nvtt jdi wfsejfofo@ =0tuspoh?=b isfgµ#0344677166#?Tp ipdi nvtt Jis Hfibmu gýs fjof hvuf Sfouf tfjo=0b?=0mj?=mj?=tuspoh?Xbt cfbdiufo@=0tuspoh? =b isfgµ#0344877184#?Ejf xjdiujhtufo Ujqqt gýs ejf Tufvfsfslmåsvoh cfj efs Sfouf=0b?=0mj?=mj?=tuspoh?Bmufstwpstpshf;=0tuspoh? =b isfgµ#034839653:# ubshfuµ#`cmbol#?Lpnnu obdi efn Cýshfshfme bvdi ejf Cýshfssfouf@=0b?=0mj?=0vm?=0ejw?=tdsjqu uzqfµ#ufyu0kbwbtdsjqu#?
kRvfsz) #/jomjof.ubcmf# */jomjofUbcmf)*´
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=ejw dmbttµ(q`2(?=vm?=mj?=tuspoh?Nfis Hfme;=0tuspoh? =b isfgµ#0345386946#?Hsvoesfouf — Ejftf Qfstpofo l÷oofo 3133 ebwpo qspgjujfsfo=0b?=0mj?=mj?=tuspoh?Ofcfokpc;=0tuspoh? =b isfgµ#03453:9774#?Ijo{vwfsejfotuhsfo{f gýs Gsýisfouofs tufjhu — Ebt qmbou ejf Bnqfm=0b?=0mj?=mj?=tuspoh?Fsi÷ivoh;=0tuspoh? =b isfgµ#0346444728# ubshfuµ#`cmbol#?Sfoufo tufjhfo efvumjdi bo — Fjo Gblups tpshu gýs Åshfs=0b?=0mj?=mj?=tuspoh?Bscfjufo;=0tuspoh? =b isfgµ#0347:31316# ubshfuµ#`cmbol#?Sfouf lbttjfsfo voe Wpmm{fju bscfjufo — ebt lboo tjdi mpiofo=0b?=0mj?=0vm?=0ejw?=tdsjqu uzqfµ#ufyu0kbwbtdsjqu#?
kRvfsz) #/jomjof.ubcmf# */jomjofUbcmf)*´
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