Many Riester pension insurance companies invest in the fund. Savers can choose between several funds where to spend some of their money. The performance of individual funds can be very different. Therefore it is important to make the right choice.
Our fund experts have developed the Riester optimizer for this purpose. For this purpose, they regularly check more than 1,800 investment funds from the insurance company Riester and screen the funds that are suitable for your insurance.
Tip. You can check whether your policy is included in our test using our test results for free.
Why our Riester optimizer is useful for you
In our testing
With Riester fund insurance, you can choose between various funds. We regularly check the more than 1,800 investment funds offered by Riester insurance companies.
The best funds for your rate
Our Riester Optimizer names the best funds from insurance company offers for many Riester rates. This will help you know which funds are best for your Riester retirement. We update the database continuously.
Best sustainable fund
Do you want to ensure that your money is not spent on weapons, coal, child labor, or nuclear energy? Our database also shows the best sustainable funds you can choose as part of your fund policy.
Instructions for changing funds
Our Riester fund experts not only show you the best funds for your insurance. They will also tell you how to proceed if you want to exchange funds on your insurance.
Test results for 74 Riester fund policies
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More than 1,800 investment funds tested
Our fund experts look at the fund range of the Riester fund policy every month and evaluate the funds listed there. By using our database, customers can quickly and easily find out which funds they can use to realize their policies. Only three steps are required.
Step 1 – Check the Riester optimizer. The database currently offers fund recommendations for 74 Riester fund policies. Check our test results to see if your fund policy is included.
Step 2 – View recommendations. Upon activation, you can determine which funds Finanztest recommends to optimize a particular policy. We name the best classic funds for your rates and – if offered – also the best sustainable funds.
The best fund for your plan is not automatically the fund that performs particularly well in our financial test rankings. Not all insurance companies offer funds that we consider good. For your orientation, you will also find out how well the best funds in your plan perform in financial test evaluations and how high the level of sustainability actually is in sustainable funds.
Step 3 – Order a fund exchange. You then need to contact your insurance company and exchange the bad funds in your policy for better ones. Exchanges usually do not require any fees.
Who our optimizer helps
Optimizer is only intended for existing customers. He shows how they take advantage of Riester’s fund-based pension insurance. Not suitable for new customers looking for a good contract to sign a new contract. It is also not intended for savers with Riester fund savings plans.
Our fund policy optimizer helps savers
– who have taken out Riester pension insurance and
– whose pension insurance means at least part of their savings contributions goes into investment funds.
Insurance company fund recommendations are often not the best recommendations
More than four million savers have so far opted for unit-linked pension insurance, with some of the contributions, allowances and surplus flowing into investment funds. Depending on the contract, the insurance company invests more or less money in the fund.
The higher the fund investment, the more important it is for customers to choose the right funds. The original recommendation of the provider or broker when concluding a contract is not always the best option – we can see this repeatedly in letters from readers.
Dare to do more with Riester pension insurance
We recommend using equity funds for Riester unit-linked pension insurance until approximately five years before the end of the term. With Riester’s fund policy, a portion of the balance is already in a safe, typically interest-bearing investment such as a government bond, which the customer cannot influence. With this part of the investment, the provider primarily guarantees the Riester guarantee. It is determined that at least the amount of contributions and allowances is still available at the end of the savings stage.
Since Riester fund policy guarantees already provide a certain level of security, clients should be more risk averse when selecting funds and choose equity funds where they can expect the best performance.
Is your contract lost? Then we need your help!
We continue to expand our database. If your contract is lost, please email us at:
finanztest@stiftung-warentest.de.
Important: So that we can check whether we can accept your contract, we need documents from you. Please include a copy of the last two status notifications in your email. Submitted documents must indicate:
– die Zertifizierungsnummer,
– date of conclusion of the contract,
– product name.
Thank you for helping us improve our services!
