Who pension to live on a couple of years, enough to want the retirement planning needs today, and well consider which private pensions state pension, he also he wants to. Long bonds are far from certain why the private pension part emphasized more. Meanwhile, there are many ways to get a spiked pension in old age. One is the Riester pension for salaried employees and unemployed, another the Ruruprente for freelancers. In the Riester pension by an additional state support funds held by or tax relief, depending on income. When Ruruprente there is no public support through money, here it is, however, tax relief, which in turn, if you will like this, then in the Rurup paid contract and so can be saved up. Another variant of the private pension, which is often forgotten, is still the classic endowment life insurance . Here we are both on death insured receives, but also a guaranteed sum on maturity plus surplus paid. The endowment policy is – and unfortunately not many people know – tax-free if, before the age of 60 Age is paid and the contract at least twelve years running. Though you can not get rich by this kind of private pension plans, but it saves paying tax, which for example in pension payments by Riester pension and Rüruprente the case, since this part to be taxed. The endowment policy is still a very good alternative for the provision for their retirement. The amount paid may be, for example, for home use, the other is to good for retirement is one thing. One thing is certain: Anyone who vorsorgt not, the future looks very old from alone.