Riester Reform 2027
Sign Up Now or Wait?
The pension system is being fundamentally renewed. Act now or wait for better conditions?
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Find the best tariff for your situation
Riester-Rechner wird geladen...
Einen Moment bitte
Sign Up Now or Wait?
Reasons to Sign Up in 2026
- Secure allowances immediately
- Grandfathering protection with reform
- Take 2026 tax advantage
- No waiting for legislation
Reasons to Wait
- Better conditions possible
- Higher returns through ETF share
- Less bureaucracy
- More flexibility in payout
Current Riester Allowances 2026
Basic Allowance
175 EUR
per year with minimum contribution (4% of previous year income)
Child Allowance
300 EUR
per child (born 2008 or later)
Career Starter Bonus
200 EUR
one-time for those under 25
Reform Timeline
Q1 2026
Draft law in cabinet
Q2-Q3 2026
Parliamentary deliberation
Q4 2026
Bundestag approval
Jan 1, 2027
Reform takes effect
Our Assessment
For families with children: The high child allowances (up to 300 EUR per child) make a Riester sign-up in 2026 often still attractive. Allowances start immediately and grandfathering protection secures you.
For singles without children: Waiting for the new retirement savings depot might make more sense here. Better return prospects and lower costs could compensate for the delayed subsidies.
Frequently Asked Questions
What changes with the Riester Reform 2027?
The German government plans a new 'retirement savings depot' (Altersvorsorgedepot) with simplified subsidies, higher allowances, and more investment flexibility. The contribution guarantee may be relaxed to enable higher returns.
Will my existing Riester contract remain valid?
Yes, existing contracts have grandfathering protection. You can choose whether to stay with the old contract or switch to the new system.
Is signing up for Riester in 2026 still worth it?
It depends: If you can maximize allowances (175 EUR + child allowances) and your contract has low costs, signing up in 2026 can be worthwhile. However, the new system may offer better conditions.
What are the current Riester allowances?
The basic allowance is 175 EUR/year, child allowance 185 EUR (children born before 2008) or 300 EUR (children born 2008 or later). Career starters under 25 receive a one-time 200 EUR bonus.
What is the planned retirement savings depot?
The new depot should work like an ETF savings plan but with state subsidies. The contribution guarantee could be reduced to 80% to allow more equity exposure and higher returns.