Pension Factor Tilted: What the Bgh Ruling Means for Riester Contracts

kreiszeitung.de

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BGH tilts clause on pension factors in Riester contracts. Millions of insured people could make additional claims and should check their documents now.

Gegen Hartz IV: ALG II Ratgeber und Hartz 4 Tipps

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Reading time 6 minutesThree days after the Karlsruhe decision, the uncertainty is great in many households: Do you have to expect that your own later Riester pension will be smaller than expected? And what does it mean if an insurer subsequently lowers the pension factor? With judgment of 10 December 2025 (Az. IV ZR 34/25), the Federal Court of Justice has declared a clause in fund-linked Riester pension contracts of the Alliance invalid, which …

shz

Factuality

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The Federal Court of Justice has overturned a frequent clause in Riester contracts. Savers can now get money back. The consumer centre explains how this can be done.

noz.de

Factuality

Ownership

The Federal Court of Justice has overturned a frequent clause in Riester contracts. Savers can now get money back. The consumer centre explains how this can be done.

afdbundestag.de

Factuality

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Berlin, December 12, 2025. In its judgment of December 10, 2025, the Bundesgerichtshof (BGH) declared a central clause in the general insurance conditions of a fund-linked Riester pension insurance ineffective. Insurers may not unilaterally adjust the so-called pension factor – i.e. the later monthly pension per 10,000 euros contract balances – downwards without being obliged to increase it again in the event of improved conditions (Az. IV ZR 34…