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Applying Einbuergerung vs. Loosing (kind of) Pension Money
Posted on 20/06/2008 1:31 pm
Applying Einbuergerung vs. Loosing (kind of) Pension Money
Hello guys,
I am sure everyone who already applied or is planning to apply for Einbuergerung must have thought about the Pros and Cons about this topic. For me personally, its an issue rather than a topic 
Reasons being that:
1) I am already here since 8 years but I am not planning to stay in Germany for more than another 1-2 years rather I plan to go back to my home country.
2) My home country has no agreement with Germany to continue the Pension acoount over there, which means if I take Citizenship and leave Germany then I will get my pension only after 67 years of age. Under this case there are 3 or more possibilities:
a) Either I am not live at 67 age
b) Either Germany has no more money to pay Pension amount
c) The pension amount which I will get at 67 years of age will only be around 400~600 Euros(If I leave Germany and stop contributing anymore to my this Pension account). In this case, in year 2050 I won't be able to buy even peanuts and a beer with this amount. Just kidding 
but I hope you understand my point
3) If I don't take Citizenship, rather go to my home country and apply for pension amount I will approximately get around 50000 Euros(100% of my contributions) back which I can happily use in my country.
a) Advantage: I can use this amount to make a fixed deposit Or invest this amount somewhere so that it grows as my age also grow and then use it once I am around 50 years of age Or I can use this money to plan my pension account in my own way.
b) Disadvantage: I miss the chance of getting German Citizenship. Hence, the chance of Visa-hassle-free travel to whole Europe and many other countries in the world Or the chance to work freely in many parts of the world without actually aquiring the workpermit. But these (work) cases are more unlikely bcos I am going back to my country as I would like to work in my country itself.
What is your opinion regarding this? Which points you think have more weightage? What path should I follow?
Regards from Yakkoo
and God Bless Germany
Posted on 27/06/2008 2:01 pm
Re: Applying Einbuergerung vs. Loosing (kind of) Pension Money
I am back after a hectic travel schedule just to share some good news. I got reply from the Rechtsanwalt und Steuerberater of our company. He himself is German. He told me one or two options through which it is possible to get both things(Citizenship and pension contributions back) and once the right time comes then I will apply for this. Only condition is that you should not be registered in Germany at the time of appl. for pension contributions.
Before leaving would like to clear some doubts.....
@Rajes: The kids back home are becoming like stray dogs nowadays running behind lust,money and pride and India is loosing culture(It's prime identity) dramatically.
Even though I am not an Indian(but very close) still I do not agree to this. You think like this bcos either you have already taken the German pass or you want to get it and somehow you try to convince your mind and heart to stay away from your original country by saying all this 
. Three years back I got a chance to work with more than 100 IT professionals from India on a Deutsche Bahn project in Frankfurt. Now the project is finished and all of them went back to work in their country. I made several freinds during this course and what I found surprising was that no one preferred to stay here in Germany indefinitely or find another job. So obvioulsy, they thought on different line than yours and were staisfied (either partially or fully) with the conditions back in their country. They also agreed that the system back in their home country is not PERFECT but never considered it too bad to live AS PORTRAYED BY YOU.
@hereshaik: Here itself you want to violate the rules......
What I asked is not going against law or breaking law. Its simply Clever denken, Clever sparen und Clever profitieren . My lawyer told me that even Germans (mostly freiberufler) try to get back their share of Pension money from yester years of arbeit and put it into their privately managed altervorsorge accounts. And he knows some who managed to do this successfully.
anyways, dieses thema(was ist legal and was nicht) ist sehr breit und tief. lass uns nicht weiter gehen!!
If we do not know the concrete answers to some problems then we should not post replies unnecessarily. Lets not analyze ourself what others do is within law and whats not. First study it properly or lets leave this job on our lawyers and tax consultants who are more professional in this field and then follow their advice.
My advice for you is to learn patience and take every one's advice and take your own decisions
Yes my freind, I myself had written here to get some positive replies to my question and opinions. But, rather than getting some useful tips I got sarcastic remarks in return and I just followed my instinct to defend my opinions. Earlier too, I have seen mostly people of one particular country spitting on their fellow countrymen while discussing such topics on Trust7 which really is a shame
So lets stop it here and lass uns zusammen ein Sommer mit Fußball Finale genießen
Posted on 18/07/2008 7:07 am
Re: Applying Einbuergerung vs. Loosing (kind of) Pension Money
This is only "Javani ka Josh" ,if this forum exist after 20yrs then please come back and read all your comments.I myself came across many Indian families who are regretting now for the mistake which they made after taking German citizenship.
Now you guys go on vacations wth some gifts and chocolates for your friends and relatives but after being a citizen here the distance between the relations and friends increases.I know Mr. Akshay would comment that relatives and friends only want money but at least you get something for money when you need.Here you have lots of dreams with you kids education.Beleive me there are no real good schools in Germany like in US or UK where your kids can study.When you see your son on drugs and alcohol at age of 16 and your daughter making parties and going with boys then you cannot stop them and you will only feel lonely.There are many Indian families living like this here in Germany who live a lonely life.
Here even if you have a German passport you will be treated like a Third class citizen.You may have many German friends and colleagues but behind your back they always call you Auslander and one day your kids also has to hear the same and then they look for their identity.
Beleive me my friend if you have an option to return to India then thats really good choice.You know people who are drowning always pull the leg of others and also make them drown along with them thats what guys like Akshay doing here.
Here you cannot get peanuts for 1€ but in India we can get quality cashewnuts for that price
Posted on 18/07/2008 7:19 am
Re: Applying Einbuergerung vs. Loosing (kind of) Pension Money
Dear Prasad,
Don't you have anything better to do on early friday morning other than rebuking a poor soul like me?
Atleast TGIF.
Here is your peanuts for 1 Euro
http://dipworld.de...nuts-Hot---Spicy.html
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