Understand the pension gap
Compare your expected retirement income with the amount you want, taking existing contracts and reserves into account.
Personal insurancePrivate clients and families
Start with the income you want in retirement, then choose the right tools.
A retirement plan should begin with your expected statutory and workplace pension, the income you want later and the gap between them. We then compare private saving and funded options by cost, risk, flexibility and tax treatment.
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Problem · Benefit · Decision
What this cover can solve for you.
A target-led plan across statutory, workplace and private provision
Use workplace provision
A company pension may add employer contributions or salary conversion, but costs and taxation during retirement still need review.
Compare private routes
ETF savings, Riester and Rürup follow different rules on market risk, support, access to capital and taxation.
Adjust risk over time
The mix of shares, safer assets and available cash should reflect the remaining term and the planned withdrawal phase.
Getting specific
What we will clarify together.
A sound decision starts with the right facts, not a blanket price promise.
- 01
Estimate the desired retirement income and the existing pension gap
- 02
Record statutory, workplace and private pension entitlements
- 03
Compare total costs, investment risk, flexibility and access to capital
- 04
Set a monthly contribution that fits your income, reserves and time horizon
- 05
Check personal tax effects with a tax adviser or the Finanzamt where needed
Important: Investment values can rise or fall, and returns are not guaranteed. Riester support, Rürup tax treatment and workplace pension effects depend on personal circumstances and current rules. Product costs and restrictions must be checked before a decision.
Frequently asked questions
A few answers before you enquire.
01When can Riester still be relevant?
It may be relevant depending on child allowances, income, tax effect, product costs and your need for flexibility. Its value should be calculated for your circumstances.
02How does Rürup work for self-employed people?
Rürup, also called Basisrente, can be one component because contributions may receive tax treatment within legal limits. Costs, the lack of a lump-sum capital payout and the lifelong pension structure also matter.
03Can an ETF savings plan be used for retirement?
Yes, but ETF savings involve market risk as well as fund, custody and execution costs. The investment horizon, risk profile and need for any insurance element should be considered.
04How much should I save each month?
The suitable amount depends on age, target retirement income, current provision, reserves, investment term and risk profile. There is no standard amount that fits everyone.
05What is a pension gap?
It is the difference between the retirement income you expect and the income you want. Employment history, existing contracts and your target budget determine its size.
Free enquiry
Review my retirement plan.
Tell us your age, occupation, retirement goal and any pension or savings arrangements you already have.
- Initial assessment with no obligation
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- We only reply through the channel you choose