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Key features of company pension plans - bAV
Tax and social security savings
Contributions are usually taken directly from your salary before taxes, so you save on tax and social security while building your pension.
Employer support
Your employer helps grow your pension by contributing alongside you. The exact amount depends on the company and your employment contract. Your employer is obliged to contribute at least his social security savings.
Long-term retirement security
The money you save is paid out when you retire, helping you top up your public (state) pension and feel more secure later on.

Why choose a company pension plan in Germany?

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Secure a more comfortable retirement

Relying on the state pension alone can leave gaps. A company pension plan supplements the state pension, helping ensure you maintain your standard of living in retirement and providing long-term financial stability.

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Employer contributions and tax advantages

When you join a company pension plan, your employer often puts money into it for you too. Plus, the money you contribute comes out of your salary before taxes, so you pay less tax and social security now while building your retirement savings.

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Flexible options to suit your career and lifestyle

Many plans allow you to adjust contributions, choose investment strategies, or combine with other retirement savings, making it adaptable to your personal and professional situation.

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