Guide > Occupational pension

Company pension scheme

Company pension scheme

Company pension scheme

Company pension scheme

On this page, you will find all the information about company pension schemes that will help you secure your financial future. First, you will learn how pension provision in Germany is based on the three-pillar model, which includes public-law compulsory systems, company pension schemes, and private pension options. This structure is crucial to ensure good financial security in old age.


Many people wonder why the state pension is not sufficient to maintain their accustomed standard of living in old age. We explain why the pay-as-you-go system is under pressure and why it is so important to take additional measures early to close the pension gap.


In addition, we show how inflation affects your purchasing power in old age and how you can design your pension provision to be protected against inflation through smart investments.


A central part of our information is the company pension scheme itself. We explain what company pension schemes are, the different forms they take, and how you can provide for your future through a direct insurance policy or other models. The financial and tax advantages of company pension schemes, including state subsidies and employer contributions, are described in detail so that you can fully understand the attractiveness of this pension option.


Of course, we also consider the disadvantages of company pension schemes and how you can maximize your returns by choosing net tariffs and cost-effective funds. Another important topic is how to take out a company pension scheme, what happens to your pension provision when you change jobs, and the options available to you at retirement age, including the decision between a lump sum payment and an annuity.


Want to know how large your pension gap is? Use the Pension Gap Calculator.


Let's go!

On this page, you will find all the information about company pension schemes that will help you secure your financial future. First, you will learn how pension provision in Germany is based on the three-pillar model, which includes public-law compulsory systems, company pension schemes, and private pension options. This structure is crucial to ensure good financial security in old age.


Many people wonder why the state pension is not sufficient to maintain their accustomed standard of living in old age. We explain why the pay-as-you-go system is under pressure and why it is so important to take additional measures early to close the pension gap.


In addition, we show how inflation affects your purchasing power in old age and how you can design your pension provision to be protected against inflation through smart investments.


A central part of our information is the company pension scheme itself. We explain what company pension schemes are, the different forms they take, and how you can provide for your future through a direct insurance policy or other models. The financial and tax advantages of company pension schemes, including state subsidies and employer contributions, are described in detail so that you can fully understand the attractiveness of this pension option.


Of course, we also consider the disadvantages of company pension schemes and how you can maximize your returns by choosing net tariffs and cost-effective funds. Another important topic is how to take out a company pension scheme, what happens to your pension provision when you change jobs, and the options available to you at retirement age, including the decision between a lump sum payment and an annuity.


Want to know how large your pension gap is? Use the Pension Gap Calculator.


Let's go!

For employees

For companies

Theory of company pension scheme

🔜 Advantages of company pension schemes

🔜 Benefits of occupational pension scheme

🔜 Disadvantages of company pension schemes

🔜 Disadvantages bAV

🔜 Duties for companies

🔜 Duties for companies

🔜 Risks for companies

🔜 Risks for companies

🔜 What implementation methods are there?

🔜 Execution paths

🔜 What is the supply order? Do I need that?

🔜 The supply order

Company pension schemes in practice

🔜 So you offer a company pension plan

🔜 So you offer a company pension plan

🔜 How much employer subsidy should I pay?

🔜 How much employer contribution?

🔜 What costs are incurred by the company pension scheme (bAV)?

🔜 What are the costs of the occupational pension scheme (bAV)?

🔜 Manage company pension scheme: When do I need to inform whom?

🔜 Manage company pension schemes in practice

🔜 Documenting legally secure

🔜 Legally document

🔜 Should I take over existing contracts?

🔜 Take over old contracts?

🏁 This is how easy it is to do occupational pension with DYNO

🏁 This is how easy it is to do occupational pension with DYNO

More contributions to company pension scheme (bAV)

Degura vs. DYNO - Ein Vergleich der beiden Anbieter

Degura vs. DYNO - Ein Vergleich der beiden Anbieter

Ein kritischer Blick auf die Nachteile der betrieblichen Altersvorsorge

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Zuschüsse der Arbeitgeberin zur betrieblichen Altersvorsorge: Ein Anreiz, der zählt

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Die Integration der betrieblichen Altersvorsorge (bAV) in die Gesamtvergütungsstrategie: Mitarbeiterbindung und Wettbewerbsvorteile

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Arbeitgeberwechsel - das solltest du im Hinblick auf deine bAV beachten

Arbeitgeberwechsel - das solltest du im Hinblick auf deine bAV beachten

Brutto vs Netto - Ein Blick hinter die Kulissen

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Die Digitalisierung deiner bAV: Volle Übersicht, kein Papierkram

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Betriebliche Altersvorsorge mit ETF: Dein Leitfaden für eine sichere Zukunft

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Staatlich geförderte Altersvorsorge: Wie du dich jetzt absichern kannst!

Staatlich geförderte Altersvorsorge: Wie du dich jetzt absichern kannst!

Warum deine Altersvorsorge nicht warten kann: die Bedeutung von frühzeitiger Planung

Warum deine Altersvorsorge nicht warten kann: die Bedeutung von frühzeitiger Planung

Betriebliche Altersvorsorge – Wann ist sie sinnvoll?

Betriebliche Altersvorsorge – Wann ist sie sinnvoll?

Entdecke die verborgenen Kosten deiner betrieblichen Altersvorsorge

Entdecke die verborgenen Kosten deiner betrieblichen Altersvorsorge

DYNO macht es Unternehmen leicht, ihren Mitarbeitern die Altersversorgung zu bieten, die sie verdienen.

Copyright © 2024 DYNO GmbH. All Rights Reserved

DYNO macht es Unternehmen leicht, ihren Mitarbeitern die Altersversorgung zu bieten, die sie verdienen.

Copyright © 2024 DYNO GmbH. All Rights Reserved

DYNO macht es Unternehmen leicht, ihren Mitarbeitern die Altersversorgung zu bieten, die sie verdienen.

Copyright © 2024 DYNO GmbH. All Rights Reserved

DYNO macht es Unternehmen leicht, ihren Mitarbeitern die Altersversorgung zu bieten, die sie verdienen.

Copyright © 2024 DYNO GmbH. All Rights Reserved