Die meisten Arbeitgeber geben jeden Monat ein paar Euro extra, und der Staat legt meist noch was drauf: Mit vermögenswirksamen Leistungen und der Arbeitnehmer-Sparzulage sollen Sie als Arbeitnehmer nämlich Vermögen bilden können. Wenn Sie es geschickt anstellen, kommen Sie dabei in den Genuss einer zweifachen und sogar dreifachen staatlichen Förderung.

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1. Wer erhält vermögenswirksame Leistungen?

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a) Wenn Sie keine oder nur geringe Leistungen von Ihrem Arbeitgeber erhalten

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b) Wie Sie die vermögenswirksamen Leistungen erhalten

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c) Vermögenswirksame Leistungen sind steuerpflichtig

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d) Anlage auch zugunsten des Ehegatten oder Lebenspartners

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e) Vermögenswirksame Leistungen jetzt auch für behinderte Menschen in Behinderten-Werkstätten

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2. Wer bekommt die Arbeitnehmer-Sparzulage?

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Keine Einbeziehung von Kapitalerträgenab 2009

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Können auch Rentner, Pensionäre, Arbeitslose und Kinder eine Sparzulage erhalten?

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3. Wie hoch ist die Arbeitnehmer-Sparzulage?

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Ihr großer Vorteil: Aus zwei Fördertöpfen dreimal kassieren!

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Besonderheit beim Bausparen

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4. Welche Anlagemöglichkeiten sind begünstigt?

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a) Bausparen

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b) Beteiligungssparen

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c) Kontensparen

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d) Verwendung auch für die betriebliche Altersvorsorge?

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Xxxxxxxx:
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5. Verwendung vermögenswirksamer Leistungen zum Wohnungsbau direkt

Xxxx Xxxx xxx Xxxxxxxxxx, xxx xxx xxxxx XxxxxxxxxxxxxXxxxxxxxxx xxx x x xxxx xxxxxxx xxx XXX xxxxxxxxxx xxxx, xxx xxx Xxxxxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxx Xxxxxxxxxxx xxxxxx xxx x Xxx. x Xx. x XxxxXXx.

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6. Wann dürfen Sie über Ihre Anlage verfügen?

Xxxx Xxx xxx XxxxxxxxxxxxxXxxxxxxxxx xx Xxxxxxxx xxxxxx, xxxxxxx xxx xxxxxxxxxxxxxxxxxxx Xxxxxxxxxx xxxxxxxxxxxxxx xxxxxxxx xxx xxx. Xxxxxxxxxxxx xxx xxxxx xxxx xxxxxx Xxxxxx xxxxxxxxxxx xxxxxx. Xxxxxx xxx Xxxxxxxxxxxx xxxxx xxxxxxxxxxx, xxxxxxxxx xxx Xxxxxxxx xxx xxx XxxxxxxxxxxxxXxxxxxxxxx xxxxxxxxxxxx xxxx xxx Xxxxxxxxxxxxx xxx xx Xxx. x XxxxXXx.

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7. Wie erhalten Sie die Arbeitnehmer-Sparzulage?

a) Antrag

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b) Festsetzung

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