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About Sepisto

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  • Location Berlin
  • Nationality Finland
  1. Riester Rente vs. other pension schemes

      How old does one have to live, in order to get back what was paid in?
  2. Public vs. private health insurance

      There is also Interestingly, if you use Doctolib to find a doctor in Berlin, almost all of them show this message:   Dies ist eine reine Privatpraxis für privat versicherte Patienten. Sie können auch als gesetzlich versicherter Patient einen Termin buchen. In diesem Fall müssen Sie die Behandlungskosten selbst tragen (Selbstzahlerleistung).   If I understand correctly, you'll have to pay for the visit yourself, if you're publicly insured.
  3. Public vs. private health insurance

    I've talked to an insurance broker who very much suggests switching to a private health insurance. If I understood correctly, it won't be cheaper - I pay 425 € per month for the public insurance that covers also my wife. The private insurance would cost 300 € / month, but given that we would then need to pay for my wife's insurance as well, it would end up costing closer to 500 € / month. If we'll end up getting a child, it would cost more than 600 € / month. However, he says that the service that you get with the private insurance is a lot better. Does anyone has experience if the service you get with a public insurance is worth the additional cost?
  4. Riester Rente vs. other pension schemes

    I read this thread quite a bit, but the first posts are from 2005 and I'm not sure if some of the information is outdated.A post from 2009 says that if you give up your residence in Germany, you will have to pay the subsidies and tax breaks back. It also says that the European Commission has sued the German government with regards to this rule at the European court. My financial adviser says that I do not have to pay anything back if I leave Germany, unless I stop the savings plan. I can continue with the plan or defer it by any number of years and not loose the subsidies. Does this mean that the law has changed due to the action taken by the European Commission?I've been offered a plan (DWS Top Dividende) that has "zillmerung", i.e. the fees are paid during the first five years. He says that it's not possible to spread the fees over the whole duration. Is this true? An earlier post says that there's a plan called DWS Top Rente that is without "zillmerung", but my financial adviser says that it's an investment plan meaning that you won't get the government subsidies (unless you take an additional and expensive pension insurance on top of that). Has anyone succeeded getting a pension savings plan lately that doesn't have "zillmerung"? Do you suggest taking such a plan, if it's not possible to find one without "zillmerung"? (I also asked about the possibility of having a smaller monthly payment and paying a larger lump sum each year to save on the upfront fees, but he said it doesn't help anything.)