Occupational pension - who can?
Employer financed retirement
The Company pension plan (bav) a claim in Germany, all employees, trainees, employees, members of the Board of Directors of public companies, including working as well as Managing Partner of GmbH. This process does not mean that is obliged to pay the pension of the employees. Instead, such companies have a pension fund, pension fund, or directly to the insurer as external financial service providers are required to provide staff. the deposit by the side of the employee and the employer can be flexible. The tax advantage which brings the gross salary the employer, will pay their portion directly. A part of the annual salary will be paid into the Company pension scheme if "salary" is talking about.
The advantages of occupational pension plans
Occupational pension provision for workers brings some advantages. Thus, the salary and the employer is concerned entirely with all the formalities. a large group of people because it is usually distributed with standard management and acquisition costs of fixed interest rate remains very low. Usually the special conditions and the tariff of the company, for example, in certain sectors, there are tailored solutions for design. Gross salary received by way of deferred compensation pension plan the company directly, so the amounts of tax and social-if you're free. In this case, probably the social freedom, the state pension or unemployment reduced demands. Usually the company's occupational pension is an important tool for employee retention.
Guaranteed retirement money
Another big plus of transactions that have gotten deferred compensation pension financed by contributions. In the meantime, the employer is changed, even running, so that means that you will get your pension. Be unemployed workers, the money that is saved will not be affected. However, all the other retired and pension payments such as the pension plan, the company should be taxed.
Professional Pensions: comparing the value
Whether a particular occupational pension value in the tariff depends on many factors. So it makes sense, just look at the employer's offer and compare with other retirement plans. Classic proportions of direct insurance and pension funding models are considered safe than alleged, even though the workers, however, must carefully read and compare with other board models offered by the employer. In many cases, the company is still worth compared with individual retirement pension plan. Nevertheless, the workers, the retirement plan should be to make a detailed comparison of the proposals before choosing a company.
Calculate pension benefits and safe
Your gross salary per year for those who opt for retirement their pension directly from the company 2.688 € you can put up. This is an advantage that offers a different type of retirement difficult. Therefore, approximately 17 million workers now in Germany retirement benefits. But first consider the final roster and the return of the employer other retirement models to compare with the bid.
Hiç yorum yok:
Yorum Gönder