Take care of your future now – with private retirement provision!
Don't rely solely on the statutory pension, which in Germany often is not sufficient to provide you with the comfortable standard of living in retirement that you deserve. The right time to take action is now!
Traditional investments through brokers often yield low returns and leave valuable tax advantages untapped. With a tailored private pension plan, you can maximize your savings, benefit from tax advantages, and secure higher long-term returns.
Start today – for a secure and relaxed life in retirement.
Private pension provision
These are the problems with the statutory pension
The statutory pension follows the pay-as-you-go principle. This means that today's employees finance the pensions of current retirees. Contributions are thus only redistributed and do not benefit from capital market effects.
Furthermore, the pay-as-you-go principle depends on current wage or income levels, the state of the labor market, and demographic trends - factors that contributors cannot influence.
The pension level will fall to 45% by 2037. With an average salary of €3,000, this means a pension of approximately €1,350.
This leads to a longer pension benefit period. At the same time, the birth rate is declining, which means that an ever-decreasing number of contributors must finance a growing number of retirees.
Relying on the statutory pension will not work
An additional private retirement plan is important to avoid financial worries in old age.
Therefore, inform yourself in good time about the options for saving for retirement privately. Our experts are happy to assist you!
When does a private pension plan pay off?
Private retirement provision is particularly useful if you save for more than 15 years, as the tax savings are very high here. However, if you pay in high contributions, this can also pay off financially earlier!
Unfortunately, providers charge an initial fee of around 4% of your contributions - which is a high cost! Nevertheless, private pension provision is financially worthwhile due to the state subsidy - especially in comparison to ETF savings plans and real estate investments!
Which variants are worthwhile?
You determine in all variants where your money is invested. For example, you can choose between ETF portfolios, real estate funds, or bonds, and adjust your portfolio selection as a contributor at any time.
The basic pension
The basic pension is attractive not only for employees, but also for self-employed individuals. During the savings phase, contributions of up to €26,528 per year can be deducted from taxes. From the age of 62, a lifelong pension is received. However, contributions are subject to taxation during this benefit period.
The private pension insurance
A private pension plan is particularly suitable for employees and self-employed individuals who prefer flexible design options. Contributions are not tax-deductible, but income from a lifelong pension is almost tax-free.
We will gladly calculate whether a private retirement plan financially pays off for you!
