Pension insurance: private security is becoming increasingly important

Pension Insurance

Pension insurance - statutory and private

Statutory pension insurance in Germany is part of the social security system. If the employee reaches the statutory retirement age will be paid. In addition, the private pension there are various possibilities. Many opportunities because it is different pay comparisons.

Statutory pension insurance contribution is set by the act

Statutory pension insurance, the insured pays a pension when he reaches retirement age. This is headquartered in Germany, 65 years currently looks. Since 2012, however, rises gradually to 67. With this demographic change on the other hand, a hand with increasing the life expectancy of the Insured's right. state pension after reaching retirement age every month the amount of pension paid depends on various factors. Among other things, he worked for the insurance of employees, how long and what was his reward. All his professional life, therefore, the statutory pension scheme, the contribution is paid on a monthly basis, and the units of credit shall be borne by the converted. throughout your life, earn more points collected, the higher the pension, the state pension plan. Contributing 18,9% January 1, 2013, the gross monthly salary will be deducted. Employees and employers each half share of these costs.

Pension - comparing the value

Statutory retirement pension insurance are always tight. Currently retired, he has much higher for those who reach retirement age receiving a pension in 30 years. Could fund your own retirement, today pays into the Pension Fund, but the current retirees: the reason for this is the so-called generation is to conclude the agreement. As the population ages, fewer and fewer workers out there a growing number of retirees to the retirement Fund. As a result, to retire is reduced. Therefore, special protection is becoming increasingly important. In addition to real estate, additional private pension insurance is recommended. Here, too, deals comparisons are valuable because no matter Riester, Rurup get what's called a savings plan or bank - varies to a great extent. A study of the journal, "Financial test" several thousand euros opportunities from each other, sometimes a difference is revealed. Ye - why calculation is paramount here. Individual retirement retirement capital as a lump sum or as a lifetime annuity was paid from the beginning of the phase that accumulates. Concerns also, sometimes up to 15 years of retirement pay as much as private pension paid into the system should be forced to associate with. Therefore, more than other forms of investment real estate or additional private security for old age comes into play.