I think I'll have to read through your post at my leisure during my team meeting tomorrow. At the moment I'm still putting money into a private pension with Allianz and paying 260 euros a month from my gross into the PVK. My partner is still saving...
I think there's a lot to do...
I think there's a lot to do...
•
11
•
3Mon
@Johann_van_der_Smut The contribution is made via the occupational pension scheme. Other statutory rules apply to the occupational pension scheme. I'll have another look and then share my thoughts here. What do you mean by PVK?
••
@Epi ok, I just skimmed the article. PVK is my employer's private pension capital. You can decide from month to month how much of your gross salary you want your employer to invest. Quasi direct insurance for pension
••
3Mon
@Johann_van_der_Smut Ah, okay, then it's like a BAV. That thing is really toxic, as I found out. You de facto pay back the contributions from your employer in your pension with a surcharge. And you also lose pension points because the employer doesn't pay their share of your pension. 🫣
••
@Epi whuut? That's really crass. But there is a cap. Until then, everything is only advantageous from a tax point of view?
••
3Mon
@Johann_van_der_Smut Yes, as I wrote, you don't have to pay back any taxes or social security contributions if you stay below the tax-free amount, approx. 300€ in 2044.
But you have to choose the guaranteed pension and leave your entire capital to the insurance company. If you turn 93 and there is no inflation, you will receive the capital you have saved. If you die earlier, the insurance company simply keeps the rest.
I say yes, toxic. 😈
But you have to choose the guaranteed pension and leave your entire capital to the insurance company. If you turn 93 and there is no inflation, you will receive the capital you have saved. If you die earlier, the insurance company simply keeps the rest.
I say yes, toxic. 😈
••
Pure ignorance!!! The best thing to do is to quit everything so that you can really learn the hard way if you let yourself be influenced by half-truths!
••