Unfortunately, you still have to be lucky that your employer does not have any predetermined policies, as is the case with many large companies. Unfortunately, the money is often invested very unattractively with 90 or 100 % deposit protection and you pay high fees. Unfortunately, even the tax benefits and subsidies don't make up for this.
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@FreshFelix Yes, unfortunately that is often the case. But this means that the employers are missing out on real benefits for their employees! Perhaps one or the other can be convinced?
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