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Retirement Planning

The state pension is not enough —
here is how you close the gap

On average, retirees are short by €700 per month. The sooner you close the gap, the more affordable it becomes. We will show you the optimal way forward.

Calculate coverage gapConsultation appointment

Three tiers — one goal: your worry-free retirement

The statutory pension alone is not enough for most people. Whether Riester, Rürup, company pension schemes, or private pension insurance — the 3-tier model offers a wide range of options. We analyze your retirement income gap and develop a strategy that fits your goals and life situation.

Your Retirement Planning Building Blocks at a Glance

Basic Pension (Rürup)

Tax-deductible, ideal for the self-employed and high earners. Contributions up to €27,566 (2024) deductible as special expenses.

Riester Pension

Government allowances + tax benefits for employees and civil servants. Particularly attractive for families with children.

Company Pension Scheme

Salary conversion saves taxes and social security contributions. Many employers contribute additional subsidies.

Private Pension Insurance

Flexible, lifelong annuity or lump-sum payout. Modern plans with ETF-based investment.

ETF Savings Plans

Cost-efficient wealth accumulation with broad diversification. Ideal as a flexible building block.

Real Estate as Retirement Provision

Rent-free living in retirement or rental income as a supplementary pension.

Retirement Planning at Every Stage of Life

Career Starters (20–30)

Starting early pays off: Even €100 per month can grow to over €250,000 over 40 years at a 7% return.

Starting a Family (30–40)

Make use of Riester allowances, optimize company pension plans, prioritize family protection.

Career Phase (40–55)

Realistically calculate your pension gap, use Rürup for tax optimization, take advantage of catch-up potential.

Approaching Retirement (55+)

Optimize existing policies, review payout options, add long-term care coverage.

What is covered?

Versichert

  • Overview of statutory pension, occupational, and private retirement provision
  • Riester pension with government allowances and tax benefits
  • Rürup pension (basic pension) for the self-employed and high earners
  • Company pension scheme (bAV) through deferred compensation
  • Unit-linked pension insurance with index participation
  • Single-premium policies for capital investors
  • Flexible additional contributions and withdrawal options
  • Survivor benefits and guaranteed annuity period

Nicht versichert

  • Guaranteed returns (investment performance depends on the chosen model)
  • Short-term investments (retirement provision is designed for the long term)
  • Protection against occupational disability (→ Disability Insurance)
  • Long-term care costs in old age (→ Long-Term Care Insurance)
  • Immediate annuities without a minimum term
  • Cryptocurrencies or highly speculative investments

How we plan your retirement provision

1

Calculate the retirement gap

We determine exactly how much pension income you're missing — taking inflation and taxes into account.

2

Develop a strategy

The optimal combination of basic pension, occupational pension scheme (bAV), private provision and ETFs — tailored to your situation.

3

Select products

Independent comparison of the best tariffs on the market. No in-house products, no commission optimization.

4

Regular optimization

Annual retirement provision check: Has your life situation changed? Are better tariffs available? We stay on top of it.

Frequently Asked Questions About Retirement Planning

A good rule of thumb is 10–15% of your net income. More importantly, you should know your personal retirement income gap. Use our calculator for an initial estimate.
It depends on your situation. Employees usually benefit more from Riester (allowances), while the self-employed and higher earners benefit more from Rürup (tax deductions). A combination is often the best approach.
Yes, especially when your employer contributes. Through salary conversion (Entgeltumwandlung), you save on taxes and social security contributions. Since 2019, employers are required to contribute at least 15%.
Absolutely. Even with a shorter investment horizon, there are effective strategies: Rürup lump-sum payments, immediate annuities, or optimized ETF portfolios. The earlier you start, the better — but it's never too late.

Request Retirement Planning Consultation

Free and non-binding — your personal retirement analysis.

Close Your Retirement Gap Now

Let us develop your retirement strategy together — independent, transparent, and tailored to your goals.

Book a ConsultationCalculate Retirement Gap