Identify gaps at an early stage  

After retirement, your income usually comprises only your OASI pension and your pension fund assets. Often, this is only around 60 percent of your previous salary. With the online pension analysis you can identify existing gaps in your pension provision.  

Take your own budget into account  

A pension plan always takes your financial options into account. This helps you to close existing pension gaps in a targeted manner and to optimize your pension provision individually. The earlier you start, the easier it will be to fit it into your monthly budget. 50 is a good age to start retirement planning. This leaves you enough time to make arrangements until you retire.  

Investing wisely – four examples 

Targeted investments with existing capital are also part of a personal pension plan. Four examples: 

• With voluntary purchases in the pension fund, you can optimize your future pension while saving on taxes at the same time.  
  
• Pillar 3a is part of personal pension provision. If you cannot always pay the full 3a contribution from 2025, you may now close these 3a gaps retroactively under certain conditions. 
  
• If you own a home, you may want to invest in amortizing your mortgage. This ensures the affordability of the mortgage even after retirement and you can continue to live in your own four walls.  
• You can invest capital that you do not need in the short term in suitable investment funds in the long term and beyond retirement. For example, for a later, age-appropriate adjustment of the apartment or for targeted estate planning.