Financing monthly installment €2500 with 40 years term

Benefits from a disability insurance (BU) are not counted towards the statutory reduced earning capacity pension because private disability insurance is not considered earned income. Otherwise, private disability insurance would not make any sense.

Are BU payments counted towards your Hartz4/Bürgergeld?

Which is harder to obtain? The recognition and payment of the BU pension or the reduced earning capacity pension?

In a company pension scheme, the employer has to contribute more than what is deducted from the gross salary, namely at least the saved employer contributions. Furthermore, the tax rate during retirement is often lower than as an employee. Therefore, these arrangements can certainly be worthwhile in the long run.
Unfortunately, it’s a far too complex topic and always an unknown gamble on the future, where politics likes to change the rules. But this can also happen with ETFs or other forms of retirement provision. I find it important to at least do something more than just the statutory pension and owning a home.

I have the feeling that only insurance companies and the state benefit from your private pension provision, secured income over X years. I still consider the statutory pension as basic protection. Everything else is a matter of life’s fortune. Therefore, spend the money now and don’t save for your old age.

Yeah, then just do it like that. It's also relaxing not to have to take care of anything and not to want to know anything about it. It's enough for the regulars' table. But then please don't whine when your fate catches up with you.

Yeah, then just do it like that. It's also easy not to care about anything and not want to know anything. Enough for the regulars' table.
But then please don't complain when your life's fate catches up with you.

At least you can go collecting bottles and let SternTV film you while doing it. Meanwhile, complain about the government. Then you can say at the regulars' table that you were on TV. :D

Some people really carry their nose up high here...

It has nothing to do with regular pub talks. I am from the generation that was told: private retirement provision is important. After 20 years of Riester, Rürup, equity funds, and countless wasted hours with financial advisors, I have to say: it’s all rubbish, the insurance industry and the government have earned from my monthly contributions. Now comes the next hype with ETFs. Sure, you can make money from it, but only if you manage to convince others that this is the next big THING and they finance your profits. You can throw all the interest promises in the trash, massive commissions are paid from my contributions and then when it comes to payout, the state also wants its share. I and you will have to pay back the Riester subsidies nicely in old age, and of course my tax rate at retirement will be different than at contract signing. The same goes for disability insurance now. Ask your disability insurance what your surrender value is and compare it to your contributions. Sorry for the off-topic. Back 2 topic. Has the house been bought now?