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.
Three tiers — one goal: your worry-free retirement
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
Calculate the retirement gap
We determine exactly how much pension income you're missing — taking inflation and taxes into account.
Develop a strategy
The optimal combination of basic pension, occupational pension scheme (bAV), private provision and ETFs — tailored to your situation.
Select products
Independent comparison of the best tariffs on the market. No in-house products, no commission optimization.
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
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.