In addition to the state-funded pension, a private pension plan can be an important part of your retirement provision. It helps to bridge any potential gaps in your pension provision and safeguard your standard of living in old age.
If you start private pension planning early, you can build up capital over the long term – and gradually create more financial freedom for later in life.
This way, you can ensure today that you’ll be able to shape your life in retirement on your own terms.
Who needs pension provision - and why?
In the chemical, pharmaceutical and energy sectors, as well as in mining, the range of roles is wide – from laboratory work or underground operations to administrative and managerial duties. A reliable pension plan is important for all employees to ensure financial security in retirement.
Young people
Starting to save for retirement early on provides young people with financial security and long-term independence. Those who start saving for a private pension early on benefit from compound interest and effectively build up their retirement savings.
AT employees
For employees not covered by a collective agreement, pension provision is important for maintaining their standard of living after retirement. Tailored strategies for both workplace and private pension schemes allow employees to make the most of tax benefits.
Women
A tailored pension plan for women helps to bridge pension gaps caused by part-time work or time spent raising a family, and strengthens financial independence. Planning early ensures a stable financial future and greater independence in retirement.
All
Pension provision is important for maintaining your standard of living in old age and avoiding financial difficulties. Private and workplace pension schemes can be used to supplement your state pension in a targeted manner.
- The BasisRente (Rürup pension) is an attractive retirement provision option, particularly for high earners, the self-employed and freelancers
- The FörderRente (Riester pension) is an attractive retirement provision, particularly for families with children, young people, lower-income groups and those in marginal employment (minijob pension).