THE BASIC PENSION FOR YOUR FUTURE
Our basic pension offers you a tax-advantaged way to prepare for your retirement. You benefit from a guaranteed lifelong pension that complements your statutory old-age pension.
Ruerup Pension
In principle, you can take advantage of state benefits for your private retirement provision make good provisions for your future and enjoy attractive tax advantages. Whether you are self-employed, freelance, employed or employed: via NEODIRECT RUERUP + you will receive exclusive advice from our experts, who can make you an offer tailored to your situation.
Your contribution payments can be adjusted to suit your current financial situation and are secure against seizure. This means that your saved monthly pension is guaranteed for the rest of your life. With the Ruerup pension, you secure high tax advantages, especially as a freelancer or self-employed person, but as an employee or civil servant, you also benefit from enormous tax savings.
RUERUP PENSION
📉 Basisrente in Germany (Rürup)
Reduce your taxes now – build pension income for later.
The Basisrente is a special tax-advantaged retirement product supported by the German government.
Ideal for self-employed professionals, high earners, and expats planning long-term in Germany.
✅ Why choose a Basisrente?
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Contributions are tax-deductible up to €27,565 (2025, single person)
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Combines retirement planning with huge tax savings
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Choose between secure pensions or ETF-based investments
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Payouts guaranteed for life
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Protected from seizure, Hartz IV, and bankruptcy
💡 Real example – 2025:
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You invest: €10,000
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Your tax rate: 42%
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Tax refund: €4,200
→ Real cost = only €5,800
→ Reinvest your refund yearly = long-term growth boosted!
⚠️ Important to know:
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Payout starts earliest at age 62
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Lifetime pension only (no lump sum possible)
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Not inheritable like a private pension – but spouse pension can be included
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Can’t be canceled – but you can pause contributions anytime
🧠 Best for:
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Self-employed (IT, consulting, health professionals)
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Employees with high income and no company pension
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Indian expats with long-term plans in Germany and interest in tax optimization
🤝 Why NEOdirect?
We help Indian professionals make smart decisions with German tax law in mind.
We explain everything clearly – and find the best fund or classic solution for your goals.
✔️ Premium comparison
✔️ Honest consultation – no pressure
✔️ Fully English-speaking support
📅 Want to save taxes this year?
Talk to our Basisrente expert now – it’s free:
👉 
Understand the Basics:
Familiarize yourself with the fundamentals of the Rürup Pension. It’s a private pension plan designed for self-employed individuals, freelancers, and high-earning employees. Unlike the state pension system, it operates independently and offers unique advantages.