How does the pension system work?

The pension system in Germany is based on three pillars; statutory, occupational and private pension provision. Many people are probably aware that this system is not doing too well these days. Read here what the three pillars are all about:

Here is an overview of the three pillars:

1. Statutory pension provision
2. Occupational pension provision
3. Private pension provision

Statutory pension provision: Collecting points for all they’re worth

Statutory pension provision ends up not really being worth talking about, thanks to certain factors such as inflation, i.e. the devaluation of money. Roughly speaking, “pension points” must be accumulated, all of which have a certain value:

• Average earnings (< 60,000 euros gross / year): One point per year
• Below average earnings : Half point per year
• Above average earnings (> 60.000€ gross/year): Two points per year

The points are then added up to the pension and multiplied by the “pension value”. Here you can find the current formula for calculating the monthly pension amount:

Monthly pension amount = earning points x access factor x pension value x pension type factor

Here is a quick example to calculate the pension of an average earner:

Example: Average < 60,000 / year

Example (40 years of work):

• Pension points: 40
• Pension value current: ~ 34
• Standard age limit / pension type factor: 1

Monthly pension:

• 40 x 34 x 1 = 1.360 Euro

Factor source: German Pension Insurance.

However, it does not stop there. Even with this amount, all taxes and inflation must still be calculated. Factors such as tax, health and long-term care insurance must also be taken into account. Especially inflation hits your pension hard. Don’t you think? Here you can find an overview of the change in the inflation rate in Germany from 1992 to 2020.

You can find more statistics at Statista.

Occupational pension provision: Secondary cover as a solution?

The company pension scheme is an additional safeguard to the statutory pension scheme. It is considered a supplementary pension and is financed by the employer. Even with this, it is difficult to cover one’s costs in old age.

Private pension provision: Investment in real estate

Let’s move on to private pension provision. The first question that arises here is how do I invest my money and in which form of investment should I invest at all? Inflation is our biggest enemy when investing in a financial product, but it is our best friend when investing in real estate, as we have already described in the article Wealth Creation & Inflation.

Here briefly again in simply explained!

Investment form Financial product:

• 10,000 euros in a savings account are and remain 10,000 euros. Even if the money is only worth half in 30 years (inflation).

Investment form real estate:

• If you buy a condominium for 10,000 euros, the money in 30 years is only worth half, you get for your property 20,000 euros

As you can see well here, when you invest in a property, you are always very well protected against inflation and can also still make profits. Unfortunately, our pension is similar to the investment in a financial product – in the end, we all make a loss.

The next step: real estate as an investment

This article compares the classic investment of money in the bank with a capital investment in the form of real estate. Real estate creates “real value”. Find out what that means here!

Learn here about the benefits of investing in real estate for your retirement savings, too!

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• Book and Video Tips: Taxes XXL

Wealth building: tips, tricks and recommendations!

Building up wealth – with as little effort and equity as possible? It’s not as easy as it sounds, but the videos presented here give you tips and tricks from experts to get a little closer to your financial independence. Let yourself be inspired and get started with your own personal wealth accumulation.

Here’s another tip for you (external): Convert taxes into assets? Tax avoidance means: Build up your own knowledge. Online you can find a lot of (free) articles and tips on Lukinski.de: From real estate as an investment through renting to asset management to saving taxes with real estate (external). Everything free of charge from the expert.

Tip! Overview Wealth Building XXL – Book, Video, Tips & Tricks

If you want to build up private wealth and create financial reserves, there are a few things you should keep in mind. In addition to the tips you get in this article, you might also be interested in our extensive overview page. There you will find an overview of articles, as well as book and video tips with successful and helpful books and videos on the subject of wealth accumulation – including tips and tricks from professionals and experts.

• Book & Video Tips Overview: Wealth Creation XXL

Wealth accumulation made easy

In this video you will be shown 10 tips with which you can easily become rich and build a fortune. Saving is of course indispensable here, but is not enough to build wealth alone. That’s why we also talk about human capital, taxes, investing and financial innovations.

1×1 of asset accumulation

In this video you will be introduced to the basics of wealth building. It covers basic topics like: What are ETFs? How do I (best) invest in stocks? How high is the risk in the stock business? Information and food for thought that can definitely only help you.

Wealth accumulation: How much you need to save for retirement

How much to save to live without financial worries in old age? This question is on the minds of many people in Germany. Old-age poverty is on everyone’s lips. We all know that the statutory pension insurance or state pension insurance is not enough and that private old-age provision is absolutely necessary. Here it is about questions like: How much do you need to save today so that you can permanently maintain your standard of living in old age? And which form of investment (bonds, savings plan, shares / stocks, ETF, real estate, …) are suitable for this? It is about long-term asset accumulation as a safeguard for old age.

What you really need to know: wealth accumulation

In this video, the well-known author and financial blogger Albert Warnecke (author: Der Finanzwesir) explains everything you should know about wealth accumulation. He talks about wealth accumulation, but also about passive investing and also gives advice and tips beyond the topic of finance.

Wealth accumulation: 5 rules of life

The 5 life rules you should definitely know to build wealth in the future. Especially as a student you learn a lot, but especially in terms of finances you are rarely taught enough. Here someone tells you from his own private experience, what you should pay attention to and consider in the future to be able to save money in everyday life.

Wealth accumulation mistakes

This video will explain to you what the 5 biggest mistakes are when building wealth. It’s about not thinking for yourself, being too greedy, starting to build up far too late, wanting to get rich too fast and above all dangerous half-knowledge. How these mistakes arise and how you can avoid them, you will learn in this video.

Wealth accumulation through ETFs and equities

If you want to build up a fortune, you can’t get around shares, funds and ETFs. Why this is so and what these mysterious ETFs actually are, is explained to you in detail in this video. In addition, you will learn what the term “passive investing” means in the stock market.

Wealth accumulation through real estate

Is getting rich in real estate really as easy as it seems? What is really possible if I decide today to become a real estate millionaire tomorrow? In this video you will learn how your real estate investment will perform in the numbers of the future. We show you how you as a real estate investor pay off an apartment over 37 years and how high your passive income will really be in the end.

Related Links about the topic Taxes & Finances

Are you thinking a lot about wealth accumulation, but also want to learn more about taxes and finance in general? We have compiled more videos with tips and tricks for you on topics such as retirement planning, investment, taxes and real estate and much more.

Investment

Successful investing is a dream of many people. But unfortunately, it is not as easy as it seems. How can you start as a beginner in the investment industry? What do you have to consider and which mistakes should you try to avoid? What is worth investing in? And what does the term “investment” actually mean? We enlighten you!

• Video tips on the subject: Investment
• Book recommendations on the subject: Investment

Retirement provision

The topic of old-age provision is one of the most important issues Germans are concerned about. Already at a young age, one is made aware of the need to provide for later. But how exactly do I do that? When do I start with the old-age provision? Which mistakes should I avoid? Where can I get tips? And why do I need a pension at all? We answer all these questions and more here.

• Video tips on the subject: old-age provision
• Book recommendations on the subject: Retirement provision

Advisor Wealth Accumulation XXL: Finance, Investment & Co.

Who wouldn’t like to build up their own assets? Whether you want to be able to afford something or would like to generate a financial buffer for old age, asset accumulation is a relevant and, above all, sensible topic for virtually everyone. But what options are there for building up assets? Life insurance, retirement planning, or investing in real estate? Here you will find an overview of articles, as well as book and video recommendations on the subject of asset building. From saving taxes to passive income to tips on successful investing – experts and professionals share their know-how in their videos and readings and answer all questions about wealth accumulation.

• Book and Video Tips: Wealth Building XXL

Retirement: Avoid mistakes and follow tips

Here you will find everything you need to know about pensions. With our book recommendations, you can really get smart and avoid mistakes when concluding the pension. Whether you’re a beginner or an advanced reader, we’ll show you the best and most helpful books.

Here’s another tip for you (external). What’s the best way to protect yourself from poverty in old age due to low pensions? The answer is: turning taxes into assets. Tax avoidance means building knowledge yourself. Online you can find a lot of (free) articles and tips on Lukinski.de: From real estate as an investment by renting to asset management to saving taxes with real estate (external). Everything free of charge from the expert.

Tip! Overview Wealth Building XXL – Book, Video, Tips & Tricks

If you want to build up private wealth and create financial reserves, there are a few things you should keep in mind. In addition to the tips you get in this article, you might also be interested in our extensive overview page. There you will find an overview of articles, as well as book and video tips with successful and helpful books and videos on the subject of wealth accumulation – including tips and tricks from professionals and experts.

• Book & Video Tips Overview: Wealth Creation XXL

Retirement for beginners

Rating: 4.6 / 5.0 (557 ratings)

For decades, you showed up for work every goddamn workday. Always dutiful, often on time, and usually in a good mood. You put up with no grumbling about missing raises, countless hours of overtime, and merry Christmas parties. You never thought about what it would be like when it was all over. And then suddenly it’s here: retirement. And now?
This book helps you prepare for the new phase of your life and is an indispensable companion for the time after work! Because in the huge, pitch-black hole into which you inevitably threaten to fall after your last day at work, there are plenty of pleasant surprises waiting for you!

• Buy at Amazon

Retirement in sight: Your financial guide to retirement

Ratings: 4.3 / 5.0 (10 ratings)

Well positioned for the third stage of life:

• What needs to be considered with regard to statutory pensions and occupational pension schemes?
• Tax liability and saving taxes: What applies to different incomes in retirement?
• Making the most of financial investments: How the transition to retirement influences financial strategy
• Health insurance, long-term care insurance and other insurance policies: This is how the insurance portfolio is reorganized
• Enjoying retirement abroad: What to consider when it comes to pensions, property and insurance? Pensioners and retirees are in a special financial situation: income, expenses and time horizon have become more manageable. Restrictions apply, for example on loans, and special rules apply, for example on taxation. In addition to retirement income, many men and women aged 60 and over have to take care of other financial areas, such as reducing investment risks or making well-considered arrangements for their estate.
• Buy at Amazon

My pension – Planning for retirement – Early retirement options

Ratings: 4.2 / 5.0 (5 ratings)

The new guidebook from Stiftung Warentest clarifies all the important questions using many clear practical examples: How do I manage to have enough money available after my working life? What can I do as an employed person to collect more pension points? What do part-time work, self-employment, child-raising periods and maternity pensions, mini-jobs, periods spent abroad or divorce mean for my pension provision? How can private pension provision supplement the state pension?

• Your personal roadmap: How to make the right decisions for more retirement at key life junctures
• Work and family: getting more out of life as an employee, self-employed person and in family times
• The pension in front of your eyes: Increase your pension with voluntary payments, find the right date to jump ship
• Buy at Amazon

You don’t get retirement for free, you have to earn it!

Ratings: 4.7 / 5.0 (122 ratings)

Your father, a friend or a colleague is retiring? Then give the retiree in Spe with this small gift book a farewell gift with a wink. The booklet is an amusing substitute for a greeting card on retirement. It also makes a wonderful addition to a bouquet of flowers or a monetary gift. The combination of colourful illustrations, funny texts and wise words give the retirement gift that certain something.

• Buy at Amazon

Private old-age provision: Provision requirements – Financial roadmap

Ratings: 4.5 / 5.0 (8 ratings)

Close the pension gap. Start your retirement planning now and time will work for you. Every year, the Finanztest experts test more than 10,000 products on the subject of old-age provision. Make more of your money – despite low interest rates. This guide shows you which investments you can use to build up a comfortable financial cushion even in times of low interest rates. Determine your individual pension needs and develop your personal financial roadmap.

• Personal roadmap: How to get to the optimal provision step by step
• Statutory pension: What you can get out of it
• Pension provision with state assistance: Which offers are worthwhile – and which are not
• Private pension provision: How to find top providers
• Practical examples: Which investments fit your life situation
• Buy at Amazon

The pension consultant

Ratings: 5.0 / 5.0 (2 ratings)

The expert guide to all pension issues and retirement provision (including Riester pension and Rürup pension). The book includes all legal changes through the latest pension package, the new regulations, the Flexi-Rente.

• When can I retire without deductions?
• How much will my pension be?
• What are pension deductions?
• Which periods are taken into account for my pension?
• What can I earn in addition to my pension?
• Buy at Amazon

State Pension Practice: The expert guide

Ratings: 5.0 / 5.0 (3 ratings)

When can I retire?, How much is the pension?, What are pension deductions?, Which periods are taken into account for my pension? The book provides answers to these and many other questions. The authors place great emphasis on the connection to practice.

• 55 years of reforms in the statutory pension insurance
• The three pillars of old-age provision
• Periods under pension law
• Minijob and Midijob
• Insured persons’ pensions
• Survivor’s pension claims
• Pension equalisation and pension splitting
• The most important facts about pension calculation
• The tax treatment of pensions and contributions
• The insurance account and information
• Private old-age provision in the form of a Riester pension
• Private pension provision in the form of the Rürup pension
• Company pension scheme
• Basic income support in old age and in the event of reduced earning capacity
• Buy at Amazon

Further links

We have more helpful video and book lists for you on topics that might interest you. Below are some helpful links for you.

Retirement provision

The topic of old-age provision is one of the most important issues Germans are concerned about. Already at a young age, one is made aware of the need to provide for later. But how exactly do I do that? When do I start with the old-age provision? Which mistakes should I avoid? Where can I get tips? And why do I need a pension at all? We answer all these questions and more here.

• Video tips on the subject of old-age provision
• Book recommendations on the subject of old-age provision

Tax return

Why, why, why are tax returns so important? Not only professionals, but also students or pensioners can benefit from a tax return. If you have never deducted anything from your taxes and have no previous knowledge, you can get super informed in our tax return guide. We show you tips and tricks on how to avoid mistakes and provide you with tutorials that will help you with your first or next tax return. If you want to know even more, then we have a great article on the tax basics: income, sales & Co.

• Video tips on the subject of tax returns
• Book recommendations on the subject of tax returns

Buying real estate

With our book and video list on buying real estate, you can’t go wrong with your next real estate purchase. Our book tips cover all topics from the right inspection to the closing and the possible resale. What do you have to pay attention to? How do you finance your purchase? How do you evaluate a property? And how do you conclude the contract? You will find the answers here.

• Video tips on buying real estate
• Book recommendations on the subject of buying real estate

Advisor Wealth Accumulation XXL: Finance, Investment & Co.

Who wouldn’t like to build up their own assets? Whether you want to be able to afford something or would like to generate a financial buffer for old age, asset accumulation is a relevant and, above all, sensible topic for virtually everyone. But what options are there for building up assets? Life insurance, retirement planning, or investing in real estate? Here you will find an overview of articles, as well as book and video recommendations on the subject of asset building. From saving taxes to passive income to tips on successful investing – experts and professionals share their know-how in their videos and readings and answer all questions about wealth accumulation.

• Book and Video Tips: Wealth Building XXL