Occupational Retirement Provisions: Pension bound to Funds through a Retirement

With the Pension Bound Pension Insurance through a Retirement Fund, you use all your options on the capital market – assuming you are willing to accept higher risks. You invest in selected investment funds, which means a chance for greater yield returns and therefore, a greater opportunity for more pension.

On account of the premium guarantee, you are assured that as of today, at least your deposited premiums are available for your pension or disbursement at the start of your retirement.

As an employee, you can prepare for your retirement with the Retirement Fund and save taxes at the same time. Request your employer to deposit a portion of your gross income into the Retirement Fund tax-free. In this way, your premiums are completely tax-free up to € 3.216,-- on an annual basis.

An additional advantage: your premiums are exempt from social security tax up to € 3.216,-- (4% of the contribution assessment ceiling) annually.

Your pension or lump-sum benefits are first subject to income tax when you begin to receive them. Since your earnings at the beginning of retirement are in general considerably lower than that during your time of employment, the tax rate is also accordingly lower.

Our benefits are your advantages

  • Life-long pension or one-time lump-sum benefit
  • Greater chance of yield returns through funds selected by the employer
  • Option to take away in the case of a change in employer
  • Tax-free premiums
  • Life-long pension may be arranged for your partner in the event of death during the deferment period.
  • Hartz IV-safe
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