| Feature | Basisrente (Rürup) | Riester Pension | Private Pension |
| Best for | Self-employed, high earners | Employees with state pension | Flexible investors |
| Tax benefits | High tax deduction | Government bonuses + tax benefits | No special tax benefits |
| Flexibility | No early payout, annuity only | Partially flexible, state support | Full flexibility |
| Inheritance | No | Limited | Yes |