![Extrarente_dolgachov - istockphoto.com]({"127":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_128x72_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=P1I8pyq1","176":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_176x99focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=ZPyGoj9W","256":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_256x144_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=vue7y379","384":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_384x216_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=ZtxN1pZG","512":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_512x288_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=ZhDIAjma","640":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_640x360_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=9Yr1HK2I","768":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_768x432_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=JxAeqSAI","896":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_896x504_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=DfCGFemR","959":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_958x539_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=fML-nz8X","1024":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1024x576_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=waRYad9c","1152":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1152x648_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=83HXVUvn","1280":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1280x720_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=KSAfJv-m","1408":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1408x792_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=9VGz-Ka7","1536":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1536x864_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=RkzWxLNY","1664":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1664x936_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=jB728ZKt","1792":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1792x1008_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=oeST2pnh","1920":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1920x1080_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=14MLdB_n","2048":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_2048x1152_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=yVxZMqoR","2600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/16_9_xxl_focal_point_crop\/public\/images\/2019\/05\/15\/exkl_vzbv_istock-490366746.jpg?h=12a37f3a\u0026itok=1OM-hgey"})
Quelle: dolgachov - istockphoto.com
Damit das Geld im Alter nicht knapp wird, sind viele Verbraucherinnen und Verbraucher auf eine private Zusatzvorsorge angewiesen. Das Problem: Die bisherige Riester-Rente funktioniert nicht ausreichend gut. Häufig werden Verbrauchern teure, unrentable und unflexible Rentenversicherungen angeboten. Eine Reform der privaten Altersvorsorge ist daher zwingend erforderlich.
Die wichtigsten Informationen und Forderungen zum Thema hat der vzbv in einem zweiseitigen Faktenblatt zusammengefasst.
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Alles zum Thema: Altersvorsorge
Artikel (31)
![Zwei Menschen sitzen vor Unterlagen zur Altersvorsorge]({"127":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_128x72_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=GESHrtdL","176":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_176x99focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=9YdJqkim","256":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_256x144_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=ymK2LKh9","384":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_384x216_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=haQeNBNy","512":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_512x288_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=8SPwlXXL","640":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_640x360_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=mSEKWlKz","768":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_768x432_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=Q41Fv4JP","896":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_896x504_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=N6bpGKDu","959":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_958x539_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=tKSSvUsj","1024":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1024x576_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=m_CwdZWL","1152":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1152x648_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=kwlh7z24","1280":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1280x720_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=yg98g8Ny","1408":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1408x792_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=K4jEP9bQ","1536":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1536x864_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=iTjwptQ8","1664":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1664x936_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=LNTNT7-L","1792":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1792x1008_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=Op-Vu5-Z","1920":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1920x1080_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=5aEh-jdl","2048":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_2048x1152_focal_point_crop\/public\/2023-03\/4.%20Zugeschnitten%20Verbraucherpolitk%20aktuell%20Vorsorgefonds%20Altersvorsorge_Rente_AdobeStock_bernardbodo_177095611.png?h=2075fdba\u0026itok=6GQF-Wu0","2600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/16_9_xxl_focal_point_crop\/public\/2023-03\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Dokumente (5)
Urteile (1)
![Frau im Rechtswesen hat Laptop, Gesetztesbuch und Justitia vor sich auf dem Tisch]({"127":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_128x72_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=ffLJodb5","176":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_176x99focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=FUxKdyIS","256":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_256x144_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=RGvFlUG4","384":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_384x216_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=eIY2rnJL","512":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_512x288_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=ZDbQ_hMy","640":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_640x360_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=jlwdotHE","768":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_768x432_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=ll4-Wvcu","896":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_896x504_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=dJKGeu0H","959":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_958x539_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=cYm6iVoQ","1024":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1024x576_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=9aGWFb5F","1152":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1152x648_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=VM7Dagjz","1280":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1280x720_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=9S_K4LqK","1408":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1408x792_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=3-XB8rlP","1536":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1536x864_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=RD20DeXf","1664":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1664x936_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=ZR1V-Lw1","1792":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1792x1008_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=L0p8p5O3","1920":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_1920x1080_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=KAdoQjSt","2048":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/vzbv_16_9_2048x1152_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=zAIhZIB7","2600":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/16_9_xxl_focal_point_crop\/public\/images\/2018\/04\/25\/urteile-vzbv-fotolia_45599622.jpg?h=16a6d817\u0026itok=jUmwbfTO"})
Umfragen (1)
Videos & Grafiken (3)
![Infografik: Provisionsfrei vorsorgen_Verbraucherzentrale Bundesverband e.V.]({"128":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_128\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=vdCCL7-t","300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_300\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=E3erNUSI","464":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_463\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=zkTpi4CJ","800":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_800\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=KbUsaTMF","913":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_912\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=kfuTKwZ3","1000":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1000\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=uZOrg8bn","1200":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1200\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=9kdA0jvr","1440":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1440\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=YXH2hfZl","1571":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1600\/public\/images\/2019\/04\/29\/provisionsfrei_vorsorgen_vzbv.jpg?itok=q2M6PLwt"})
![Infografik: Staatlich organisiertes Standardprodukt mehrheitlich gewünscht_Verbraucherzentrale Bundesverband e.V.]({"128":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_128\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=uzq1hwPi","300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_300\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=BXGER5hi","464":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_463\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=GkoZvq8g","800":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_800\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=MQBr59d2","913":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_912\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=g7DhsJfw","1000":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1000\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=RFusvvFN","1200":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1200\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=Te3Cpb3S","1440":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1440\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=gWjTddAt","1571":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1600\/public\/images\/2019\/04\/29\/standardprodukt_vzbv.jpg?itok=aOqUheFj"})
![Private Altersvorsorge mit der "Extrarente"]({"128":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_128\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?itok=pelCGVso","300":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_300\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?itok=4Y7G2TFo","464":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_463\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?itok=mBFy3NCA","480":"https:\/\/www.vzbv.de\/sites\/default\/files\/styles\/default_image_1000\/public\/oembed_thumbnails\/gTUtkLGDTFceXmlsB52o-DvSt7au7g_DsLYPrLBS9gM.jpg?itok=YUnbIH0e"})
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