Pension insurance plans
Voluntary pension insurance for a private individual
(New pension insurance plans for private individual are no longer available)
A secure retirement can be prepared for through the use of a pension insurance plan tied to investing. Savings can be made through either monthly or annual investments, and additional contributions can be made at any time. Contributions to pension insurance investments go to mutual funds selected by the customer. Therefore, efficient diversification and the selected profit/risk level can be achieved. Changing mutual funds is easy and there are no costs or tax implications associated with doing so. It is subject to capital gains tax once withdrawals from the pension are started. Investments in pension insurance plans are 100% tax-deductible up to EUR 5,000 annually. The savings act as an additional safety net during potential periods of unemployment or disability.
Voluntary pension insurance commissioned by a company
A company can acquire a pension insurance plan tied to investments for an employee or entrepreneur, which provides an incentive and shows commitment to the employee. Contributions to pension insurance are tax-deductible for the company and they are not subject to additional salary fees. Money invested into the insurance plan is not considered compensation for the employee when the investments total less than EUR 8,500 annually. Eventually, the pension will be subject to income tax. A pension insurance plan tied to investments is an excellent alternative to a salary increase and a great additional benefit when recruiting.
Group pension insurance for companies (Collective)
Group pension insurance (Collective) is a good way to motivate and commit the company's key employees. Financially, it is also a sensible solution for the company. With group pension insurance plans, the people insured are a group of employees selected based on their task or position in the company; for example, the steering group or even the entire staff of a company. Investments in the group pension insurance are tax-deductible for the company and they are not treated as taxable income for the members of the group. Therefore, there are no additional fees associated with salaries, even if the invested amounts are large. The lowest allowed age of retirement with group pension insurance is 55 years.
Our partners
The best specialists in the industry guarantee a high-quality selection of services.
Read more »