Retirement planning
Plan ahead today, so retirement is not a step down.
For most people, the statutory pension alone is no longer enough to maintain their accustomed standard of living. That is why retirement provision in Germany rests on three pillars. Together we will look at which of them gives you the most leverage.
Why private provision
The statutory pension is the foundation, not the whole story.
For most people, there is a gap between today's income and tomorrow's pension. Four forces make private provision necessary, and rewarding at the same time.
Falling pension level
The statutory pension replaces less and less of your final income.
Inflation
Over decades, money loses purchasing power. What is enough today won't be enough tomorrow.
Demographics
Fewer and fewer contributors are financing more and more retirees.
Subsidies as leverage
The state and your employer chip in: allowances, tax advantages, and contributions boost your return.
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How big is your pension gap?
Three numbers, two minutes: the calculator shows you how much is missing each month between your expected pension and your current standard of living, inflation included. From that, you can see which pillar makes sense for you.
Your numbers
The gap is just a number. The plan is personal.
In a free initial consultation, we'll run the numbers on your real situation and see which pillar fits you. In person in Lüdenscheid or via video.
Simplified model calculation, not advice and not a forecast. Assumptions: retirement need as a share of today's net income, 2 % inflation per year until retirement, 25 years of retirement with no interest on the capital. Taxes, social contributions, and pension adjustments are not included. Your actual situation may differ significantly. That is exactly what the personal consultation is for.
How retirement provision in Germany is structured
The three-pillar system.
Since 2005, German law has divided retirement provision into three pillars. They differ mainly in how they are subsidized and taxed. Which pillar makes sense first depends on your life situation.
Rule of thumb: pillars 1 and 2 are state-subsidized and taxed later, in retirement. Pillar 3 is funded from your net income, but in return it is the most flexible and available at any time.
Your solutions for each pillar
Three pillars, three clear paths.
Pillar 1 · Base
Basisrente
The biggest tax lever, ideal for the self-employed, business owners, and high earners without an employer contribution.
- Deduct up to 30.826 € per year from your taxes
- Invest flexibly, including gold
- Lifelong pension, predictable
Pillar 2 · Subsidized
Riester & bAV
State-subsidized through allowances or via your employer, ideal for families and employees.
- Riester: state allowances for you and your children
- bAV: salary conversion with a 15 % employer top-up
- Save from gross salary with little personal outlay
Pillar 3 · Private
Private pension
Maximum flexibility and available at any time, with funds, gold, and several risks covered in one contract.
- Mix security and return potential freely
- Provision and protection in one contract
- No ties to government conditions
Jump straight to the solutions: Basisrente · Riester · bAV · private pension. Dig deeper into wealth building: investment funds and gold & silver.
Cleverly combined
The right mix, tailored to you.
A single pillar is rarely the whole answer. We combine the building blocks so that subsidies, flexibility, and security match your situation, and so that your provision keeps running if the worst happens.
Make full use of subsidies
Allowances, tax advantages, and employer contributions first, before you save from your net income.
Contributions continue, even without you
If you become unable to work, the insurer can take over your contributions, and your provision keeps growing.
Flexible instead of rigid
Contributions and investments can be adjusted to your salary, family, and stage of life.
Everything from one source
One point of contact for all three pillars, explained honestly and clearly.