Pension Plans

National & International schemes


... 1993 the annual German pension scheme revenue showed approx. 120.6 billion Euros and the outgoings on the other hand were at approx. 141.2 billion Euros. 2011 188.71 billion Euros were colletcted, towards 212.16 billion Euros disbursed!
A loss impairment of 16.25% compared with 12,43% today.

Did you know ...

... Every year approx. 180,000 people migrate from Germany, whereas only 130,000 return home.
75% of people leaving are university graduates.


Source: Study "German Emigration and Remigration Panel"
carried out by the German Federal Institute of People Research

Private Pension Plans

The German instutue Vorsorge und Finanzplanung (IVFP) has analysed 142 private pension plans from 65 providers and rated these for security, return, flexibility and transparency.

German article

A German private pension plan works on the same principles than any other pension plan you can purchase in the world, i.e. the policy holder agrees to transfer a certain savings-amount for a certain period to the insurer, who in return guarantee to return a fixed capital payment or fixed pension, either for a pre-defined time frame or for life. On top of the guaranteed payment(s) the insurer will add a non-guaranteed amount on top, which is made up of various profit participation instruments.


Types of Pension Plans