The pension is safe?

Is the pension secure? What pension gap will there be later? By what percentage does the last monthly net income before retirement exceed the pension? This number is provided by statisticians from the German Institute for Old-Age Provision regularly re-determined. The number is also called the pension gap.

Die Rente ist sicher: Rentenlücke bestimmen, Kleider selbst waschen
Determine the pension gap, wash your own clothes || Image source: Pixabay.com, CCO License, User: geralt

Retirement income: 3-pillar model

Ideally, retirement income is not based solely on statutory pension insurance, but is based on the following three stable pillars:

  1. Statutory pension insurance
  2. Company pension scheme
  3. Additional private pension plan

The pension is similar to a house that only stands on one pillar: the more pillars your pension has and the thicker and more stable these pillars are, the more secure the pension is actually.

What income do I need in old age so that my pension is secure?

The income required in the retirement phase varies from person to person. As a rule, however, it is below the income required during active working hours. There are mutliple reasons for this:

  • There are no costs related to work. These include, for example, travel expenses or the second car purchased especially for this purpose.
  • Contributions to pension schemes are no longer necessary: You are already retired!
  • Due to the lower income, there are also fewer taxes

For the sake of simplicity, like many statisticians, you can assume a need of about 80 % of your last net income

How secure is the pension with a growing pension gap?

The German pension is a pay-as-you-go insurance. This system works cost-neutral as long as the population remains constant. If the number of young contributors decreases, the ratio of pensioners to pensioners deteriorates. As a result, the pension insurance contributions must increase. Another influencing factor is the development of productivity. A certain decline in the labor force and the higher life expectancy of pensioners can be compensated for by increased productivity.

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Needed time: 10 mins.

You don't yet know how big your pension gap is and how you can close it. In just 10 minutes you will know more after following the four steps.

  1. Determine your pension gap

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    Nun kannst du direkt mit dem Sparen für später beginnen. Dein Depot eröffnest du in Windeseile per Video-Legitimation. Nachdem alles bei VisualVest eingerichtet ist, brauchst du nun bis zu deinem Ruhestand nichts mehr weiter zu unternehmen. Die Anlageexperten kümmern sich um dein Depot, führen Rebalancing durch und sorgen dafür, dass deine Strategie richtig umgesetzt wird.

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    Nach deinem Renteneintritt lässt du dir den Betrag in monatlichen Raten oder einer Einmalzahlung auszahlen. Über viele Jahre hat dein Geld sich nun durch den Zinseszins vermehrt. Die Auszahlung ist nicht an das gesetzliche Rentenalter gebunden. Somit kannst du auch jederzeit vorher einen Teil oder den ganzen Betrag auszahlen lassen. Des Weiteren ist es möglich die Sparraten zu pausieren, aufzustocken oder abzusenken. Somit passt sich die Altersvorsorge vollständig deinen Lebensumständen an. Und nicht umgekehrt.

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