Pension insurance in Germany

The payment amount is entirely adaptable and tailored to your disposable income and long-term financial outlook. You can start with as little as €50/month and gradually adjust it as you see fit.

Yes, you are indeed eligible to withdraw money. No, there are no limitations on withdrawing money. However, our recommendation is to maintain this investment until your retirement. By doing so, you can take advantage of the tax discounts provided by the German government.

You can choose and even mix and match.

Yes. No restrictions, no extra cost. You can pause as long as you want, as many times as you want, and then again continue paying for your pension insurance.

You need a German address and tax ID to sign up. After signing up, you can keep your pension insurance running from wherever you are in the world.

Yes, although there are issues between the German and US tax authorities regarding investment products, we found a way to be able to offer you an investment-based private pension

If you die, before retirement, all of the saved pension will be paid to your dependents and on top of that a small extra amount from the risk life insurance (this amount decreases over time, when you get old it becomes insignificant, but when you’re young it is about 10%).

After retirement, you can take money out any time with the 50% tax benefit, and if you die your dependents get all that is left plus a small risk life extra. They may choose to turn the pension into a rolling monthly payment (if they choose the rolling payment, they get a monthly pension til they die).

Many employers in Germany offer company pension plans as an additional benefit, though they do not participate in private pension plans. If you're an employer interested in setting up a pension plan for your employees, visit our company pension page to learn more.