All your questions sorted!
Think about the future with ease, because you're smartly preparing today!
Discover here how company pension schemes support you in doing so.
Ready to dive into the world of company pension schemes?
You're in the right place!
Think company pension schemes sound boring?
Maybe at first glance. But once you discover how you can benefit from it, it's anything but boring!
The threat of pension poverty is a real concern for all of us. That's why we're here to help you make the most of this government-backed scheme.
- What's our job? We're here to make company pension schemes easy, transparent, and secure for you. We firmly believe that company pension schemes lay a solid foundation for smart financial planning, and we want to ensure you're well-informed to make informed decisions.
- What does your employer get out of it? Your employer is legally obligated to offer you this type of pension scheme. Additionally, they understand that happy employees are a smart choice. That's why they're committed to your well-being and financial security.
- Why does the government promote company pension schemes? The government recognizes that the state pension alone won't be enough. That's why it encourages personal responsibility in retirement planning and offers the option of company pension schemes. This is supported by savings on tax and social security contributions through salary sacrifice.
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Henry, our IT specialist!
Did you know:
>> When you save directly from your gross salary, your tax and social security deductions automatically decrease!
>> The combination of your savings rate, your employer's contribution, and the savings on tax and social security contributions adds up to a significant sum.
That's a significant bonus: two people pay into your company pension scheme, not just you alone! Sounds good, doesn't it?
You're probably eager to calculate what this means for you right away, aren't you? How about going through the numbers and imagining how big the retirement celebration will be? We completely understand and are here for a personal conversation!
The questions and answers pertain to company pension schemes in the form of a direct insurance policy with a commitment date (commencement of insurance) from January 01, 2005.
The statutory pension system can no longer guarantee sufficient retirement provision. The German Federal Pension Insurance estimates that the net pension level compared to the average earnings during working life will decline to 44.3% by the year 2030.
This form of company pension scheme is a direct insurance policy. Your employer will arrange a pension insurance contract for you as an employee and make contributions directly to the insurance provider.
The advantage: your contribution amount (salary conversion) is not considered taxable income in your payroll, thus reducing your income tax deduction. Additionally, within certain limits, contributions to the direct insurance policy are not subject to statutory social security contributions. This means that the potential savings amount is significantly higher compared to a private savings contract with the same net outlay.
Furthermore, your contribution amount is increased by a subsidy from your employer, making your pension provision even more attractive.
Every capital investment involves various costs, and direct insurance is no exception. The guaranteed benefits specified in the insurance offer or policy certificate already include all costs calculated by the insurer. Details regarding this are provided in the insurance offer. There are no additional costs for you associated with the information and consultation on company pension schemes with your employer.
You can terminate salary conversion at any time without giving a reason, which means no further contributions will be made.
The tax and social security benefits associated with company pension schemes are granted only on the condition that the contract is reserved for retirement provision. Therefore, the payout of the contract value is usually only possible upon reaching retirement age, even in the event of termination of salary conversion.
Regarding termination of employment, it's important to note that the contract value may exceptionally be paid out upon termination of the direct insurance policy if the guaranteed monthly pension due at retirement age does not exceed a certain amount, currently set at 39,23 euros (as of 2026). Nevertheless, regardless of this, we recommend continuing the direct insurance policy with the new employer when changing jobs as the best option.
Your savings amount, your employer's contribution, and the benefits that result from them are as unique as you are! We want to bring this opportunity to your attention and show you that it's anything but boring – because it revolves around you and your future.
Here, you can discuss your personal options and choose the best option for you. We provide you with all the facts so you can make informed decisions.
Secure your appointment now and find out more about your personal company pension plan:
Stefan is part of our team of experts and is happy to answer your questions!
change of employer
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payout and retirement
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tax and social contributions
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