In times of growing uncertainty and the rising cost of living, the topic of retirement planning is becoming increasingly important. A property can play a decisive role in this – not only as a home, but also as a secure component of your retirement assets. But how can you use your property strategically to ensure long-term financial security? Find out everything you need to know here!

What are protected assets?

Protected assets refer to the part of your assets that may not be touched in the event of social benefits such as basic social security or care costs. This concept protects against complete depletion of assets and ensures that those affected remain financially capable of acting. In addition to sums of money and pension products, real estate can also count as protected assets – provided certain conditions are met.

When does a property count as protected assets?

In order for a property to be recognized as a protected asset, clear rules must be observed:

  1. Owner-occupied residential property
    Your owner-occupied home generally counts as a protected asset, provided it is within reasonable limits. “Reasonable” means that the size and value of the property are in proportion to your needs and financial situation. For a single-family home, a living space of up to 130 m² is generally considered appropriate.
  2. Economically unreasonable sale
    Properties that are not used by the owner may also be protected under certain circumstances. For example, if the sale would be economically unreasonable – perhaps because the market value is significantly lower than the actual value.
  3. Special protection for spouses and family
    If the property is jointly owned, the protection can also apply to the spouse or other persons living in the household. Particularly in the event of long-term care, it is checked whether the home may be retained.

Strategies to protect your property

You should take precautionary measures at an early stage to ensure that your property actually counts as a protected asset:

  1. Timely planning
    Do not transfer the property to heirs or third parties without due consideration, as gifts and transfers can be reclaimed within ten years under certain circumstances (so-called reclaim in the event of indigence).
  2. Adaptation of the land register
    The registration of residential or usufructuary rights can help to secure the property in the long term without giving up ownership completely.
  3. Advice from experts
    First seek advice from FOCUS Makler or contact your tax advisor/lawyer to avoid legal pitfalls and integrate your property optimally into your pension strategy.

Real estate as a retirement provision

A property is not only a protection against unforeseen life situations, but also an important component of retirement provision. It reduces ongoing housing costs in old age and can create liquidity in an emergency through mortgages or partial sales.

Conclusion

Your property can be a crucial anchor in your retirement planning – provided it is strategically integrated into your financial planning in good time. Take advantage of the benefits of protected assets to protect yourself and your family. Professional advice is essential to find individual solutions and protect the value of your property.

Start planning early – because provision is the key to a secure future!