The Chancellor candidates have been announcing a “choice of direction” for weeks - it could be true when it comes to pensions.
What the six parties in the Bundestag are calling for:
Berlin / Munich - There are currently more than 21 million pensioners in Germany - and their number will continue to increase.
Securing old-age pensions is therefore one of the central issues of federal policy.
An overview of the most important pension policy demands in the election manifestos of the Bundestag parties:
Bundestag election: Union pension plans - “Generational pension” as fourth pillar
According to their own "government program" *, the CDU and CSU want to introduce a fourth pillar alongside statutory, private and company pension schemes: the "generational pension".
The federal government should pay monthly amounts for children into funds or into personal accounts - "from birth", as it is called in the election platform.
The amount and duration of the payments are still open.
For private, state-sponsored provision, the Union is planning a “standard provision product”, from which the insured can opt out, however.
The retirement age should remain unchanged at the age of 67.
There is a dispute within the Union about the mother's pension: The CSU wants to expand it, the CDU finds it too expensive.
Scholz and the pension: SPD makes some promises before the election
The central element of old-age provision should remain the statutory pension - with a permanent pension level of at least 48 percent.
The SPD * rejects any further increase in the retirement age.
Rather, long-term insured persons should continue to be able to retire early without any deductions.
The self-employed should be included in the pension insurance, as well as civil servants, but without this being associated with a reduction in their retirement benefits.
Company pensions should be burdened less heavily with social contributions.
According to the SPD election program *, the Riester pension is to be replaced by a new, less bureaucratic offer.
Green plans before the federal election: “Citizens' insurance” for the statutory pension
The Greens * want to fix the pension level at at least 48 percent in the long term.
A right of return to full-time employment for part-time workers, a higher minimum wage of twelve euros and easier immigration of foreign skilled workers should also contribute to more stable contributions.
The statutory pension fund is to be expanded into a “citizens' insurance” for everyone.
In their election program *, the Greens advocate replacing the Riester pension with a publicly managed citizens' fund for the funded supplementary pension.
The Greens want to stick to the retirement age of 67, but there should be more room for flexible decisions.
Better pensions with the help of stocks?
FDP and their demands before the federal election
The Liberals also want to make the time of retirement more flexible: those who have reached the age of 60 should decide for themselves when they will retire;
The prerequisite for this, however, is that he or she has acquired pension entitlements at least at the level of the basic security.
According to the FDP *, private provision should be strengthened by a statutory share pension: A small part of the contributions should flow into a fund under state supervision - the Liberals expect higher long-term returns from this than with other forms of investment.
AfD pension plans: More money from migration, climate and EU politics
The AfD is also in favor of making retirement more flexible: Everyone should be able to decide on the time themselves - with corresponding discounts.
Low-wage earners with long contribution periods should be better off through tax revenue.
The AfD also wants to expand private provision through a state-run investment fund - this should not only invest the contributions in shares, but also in real estate, for example.
The AfD wants to finance the plans from its election program * with cuts in migration, climate and EU policy.
Federal election 20201: Left moves into the election campaign with large pension promises
The Left Party * promises big pension improvements: Retirement should start earlier again, at the same time the pension should increase.
Instead of retiring from 67, employees should be able to retire at the latest at 65 without any deductions.
The pension level should rise again to 53 percent and a solidarity minimum pension of 1200 euros should avoid old-age poverty.
Members of parliament, the self-employed and civil servants should also pay into a “solidarity employment insurance”.
(
AFP
) *
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