Who freelance or freelancer, benefits usually not from employer to help him in the construction of pension rights. He must organize completely on your own retirement savings. It must be not only a disadvantage: it can provide more flexible. Reformers and politicians have often only on the edge at a glance when they are debating the pension, with just their group is growing rapidly: the self. While the number of full-time workers has shrunk since 1991 by a fifth and is only 60 percent of all workers, the number of self-employed workers is nearly a million rose to 4.2 million. Imagine 11 percent of wage earners are already and their numbers will continue to rise through outsourcing and one-person. Self-employed usually bear the burden of pensions, because no fixed employer for it in the statutory pension fund pays with a. There is only one group that is privileged because the Freelancer, so doctors, lawyers, pharmacists, architects, accountants and journalists.

They are usually Duty members in professional supply works. This step for employers in and contribute half of the contribution to the statutory pension insurance. That is financed through grants from Federal Government and the companies that work with freelancers. Freelance itself must provide the other half. Most at the end does not have much to expect.

You pay a little more than the minimum of 78 euros per month. Additional security is so vital for freelancers. Not on a plant species alone leave the other self-employed are not compulsorily insured, can apply for the inclusion in the pension fund but within the first five years. Advisable that is not necessarily: you pay the full contribution from his own pocket, taking out binds for life and the contribution amount is not determinable. With private contracts, self-employed persons are more flexible. Many invest in life and pensions, funds and real estate. Top priority here: never rely on a Variant alone, but choose a mix to spread the risk and to be able to shift around. 28 per cent of self-employed persons are compulsorily 22 percent neither insurance nor assets have 66 per cent earn maximum 1500 euro net pension or life insurance are the most commonly selected basic protection. They provide security, force to save and be accepted by banks as collateral when purchasing real estate. Business loans, however, never should with secured capital life policies, warn experts, otherwise self-employed quickly lose their nest egg. Purely rational life and pension policies are little due to low yield and inflexibility, but recommended. Self-employed persons with separate risk life insurance should rather protect her family. In addition, the pension insurance coverage can be achieved also with a Sofortrente, it must not for decades are deposited in a rigid contract. These contracts bring benefits while still in taxation, but that depends on income other pension contributions and pension entry year. Self-employed persons should be expected through this. Also the State-sponsored Rurup pension may be worth.