Company Pension in Germany: Free Money & Tax Benefits with the 5 Different Types of Company Pension

Рет қаралды 2,909

Күн бұрын

A German company pension (bAV or betriebliche Altersvorsorge) will help employees in Germany to save for their retirement with free money from their employer & the German government. 🥳
How good are German company pensions really? 🤔
Who should avoid getting a company pension in Germany? 🤔
Can company pensions invest in ETFs & mutual funds? 🤔
Axel will answer all these questions & more, so you will know everything about German company pensions after watching this video.
Read the article on our website: perfinex.de/5-types-of-compan...
Videos Axel mentioned:
German Social Security System Explained | Health Insurance, Public Pension, Accident Insurance, etc
• German Social Security...
German Payslip Explained | Gross Salary & Net Salary, Income Taxes, Social Security, Pension
• German Payslip Explain...
Get a German Pension Now! Germany Cuts Guaranteed Interest Rate for Pensions | Pensions in Germany
• Get a German Pension N...
German Pensions Level 1: Public Pension & Rürup | High Tax Benefits for Your ETFs in Rürup Pension
• German Pensions Level ...
German Pensions Level 2: Company Pension & Riester | Tax Benefits & Government Bonuses with Riester
• German Pensions Level ...
German Private Pensions Level 3 | The Right Pension for Expats with Tax-Free Growth of Your ETFs?
• German Private Pension...
Which German Pension Is Best for You? | German Pensions with Scenarios for Expats Living in Germany
• Which German Pension I...
More NET Income in Germany: 5 Tips
• More NET Income in Ger...
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00:00 Intro
02:04 Fact 1 About German Company Pensions: Everyone Can Get One
03:13 Fact 2 About German Company Pensions: Your Employer Decides The Type Of Company Pension
03:29 Fact 3 About German Company Pensions: You Will Get A 15% Bonus From Your Employer
04:34 Fact 4 About German Company Pensions: Maximum Savings in Taxes & Social Security
05:20 Fact 5 About German Company Pensions: Company Pensions Can Invest in ETFs
06:28 Avoid Getting A Company Pension If ...
08:19 Company Pension Type 1: Direct Insurance
09:35 Payslip With & Without Company Pensions
11:03 Company Pension Type 2: Pension Fund
11:32 Company Pension Type 3: Support Company
11:45 Company Pension Type 4: Pension Company
12:08 Company Pension Type 5: Pension Commitment
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Пікірлер: 11

@MuhammadDaif 11 ай бұрын

That's a great video. Thanks for all the info :))

@kiarina1404 21 күн бұрын

Hi Axel, thank you for such good and detailed video! 👏 The payslip comparison is really helpful. But I'm not sure I understood why with 284€ one gets maximum savings in in social security? 🥺 And if one needs puts more than 284€? (For example because one realized only in the middle of the year that the company was offering a company pension..😅) Thank you very much 🙏

@LuisGonzalez-hw6ev 2 жыл бұрын

Thanks Axel! Great video

@PerFinEx 2 жыл бұрын

Glad you like our company pension video.

@abhisheksamanta1 2 жыл бұрын

As usual - excellent video, Axel! By the way, that 69 joke - never gets old! Now here are few questions: 1. Is it wise to take company pension at all if I know, for sure, that I would not retire in Germany? Cannot I get the pension worldwide? 2. My company provides company insurance but through another, independent (middleman) company. And this company offers insurance product of another large company (Allianz Direct Insurance). Is it possible to by-pass this middleman (legally) and get the contract from Allianz directly?

@PerFinEx 2 жыл бұрын

Thank you very much for your kind words. 1. Glad to hear that someone else appreciates these 69 jokes as much as I do. 2. Most company pensions should also pay you when you retire abroad (at least the good ones). 3. This depends whether your company has a contract with the middleman. If they do, you most likely have to take what he is offering. Your company knows the answer to that question (probably HR). /Axel

@m.m.8587 2 жыл бұрын

Could you make a video on the VBL pension scheme ? I have checked their official webpage but the information there is so confusing and nothing is clear in terms of calculations. For example, what is the benefit of VBLExtra, what is the disadvantage to VBLKlasik ?

@PerFinEx 2 жыл бұрын

Great questions. We have to dig into VBL as a pension company & their different pension schemes first tho - which will take time. So as a quick fix you might want to contact them directly asking questions on their pension offers.

@m.m.8587 2 жыл бұрын

@@PerFinEx As far as a know, it's a mandatory pension scheme for public servants. So, I thought you might have information about it. Of course, I can always contact them for more info but information from non-biased person is always appreciated. Keep the good work!

@proy1990 Ай бұрын

Great video as usual! Do we need to report direct insurance contributions in our yearly tax declarations? I declare via Wundertax but not sure if and where it should go. Also, do we get (more) money back?