{"id":73454,"date":"2024-11-26T12:59:41","date_gmt":"2024-11-26T11:59:41","guid":{"rendered":"https:\/\/estably.com\/?page_id=73454"},"modified":"2025-03-03T13:05:39","modified_gmt":"2025-03-03T12:05:39","slug":"pension-reform-in-germany-what-impact-will-lindners-resignation-have-on-retirement-provision","status":"publish","type":"page","link":"https:\/\/estably.com\/en\/pension-reform-in-germany-what-impact-will-lindners-resignation-have-on-retirement-provision\/","title":{"rendered":"Pension reform in Germany: What impact will Lindner&#8217;s resignation have on retirement provision?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"73454\" class=\"elementor elementor-73454 elementor-73453\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5724aa38 e-flex e-con-boxed e-con e-parent\" data-id=\"5724aa38\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa93eeb elementor-widget elementor-widget-heading\" data-id=\"fa93eeb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-medium\"><b>Estably Blog <\/b>| Retirement provision<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-386a5de5 elementor-widget elementor-widget-heading\" data-id=\"386a5de5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Pension reform in Germany:<br><b>What impact will Lindner's dismissal have on retirement provision?<\/b><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bcdf6b9 elementor-widget elementor-widget-heading\" data-id=\"1bcdf6b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-medium\">Published on 26.11.2024<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37b58d34 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37b58d34\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-35d5bbce\" data-id=\"35d5bbce\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-25ed91a7 elementor-share-buttons--view-icon elementor-share-buttons--skin-flat elementor-share-buttons--shape-circle elementor-share-buttons--color-custom elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"25ed91a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_email\" role=\"button\" tabindex=\"0\" aria-label=\"Share on email\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fas fa-envelope\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-2de784b6 e-flex e-con-boxed e-con e-parent\" data-id=\"2de784b6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4433e011 elementor-widget elementor-widget-text-editor\" data-id=\"4433e011\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Did former Finance Minister Christian Lindner make a mistake? <strong>His controversial \u201cEconomic Turnaround Germany\u201d paper overturned numerous adopted budget plans to finance tax cuts for the economy through savings on climate, pensions and citizens&#8217; income<\/strong>. But <strong>his ambitious <em>Pension Package II<\/em><\/strong>, which was supposed to revolutionize old-age provision, <strong>is now also on the brink<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24e549ff elementor-widget elementor-widget-text-editor\" data-id=\"24e549ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-decoration: underline;\">The most important points in brief:<\/span><\/p>\n<ul>\n<li>Pension package II, which is still in the process of being adopted, is unlikely to be implemented<\/li>\n<li>The pension reform should maintain the pension level at a minimum of <a href=\"https:\/\/www.br.de\/nachrichten\/wirtschaft\/rentenpaket-ii-rente-betriebliche-altersvorsorge-etf-s-vorsorgen-fuers-alter,URH475J\">48%<\/a> until 2039<\/li>\n<li>An additional retirement provision portfolio should promote private equity investments with subsidies, tax exemption and options, thereby increasing personal responsibility and relieving the burden on pension funds<\/li>\n<li>Due to demographic change, there are now only <a href=\"https:\/\/de.statista.com\/infografik\/25320\/verhaeltnis-von-altersrentnern-zu-beitragszahlern-in-der-gesetzlichen-rentenversicherung\/\">1.8 contributors<\/a> for every pensioner<\/li>\n<li>However, tax-subsidized capital market investments in an insurance wrapper already offer good alternatives today<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63db8ea4 elementor-widget elementor-widget-text-editor\" data-id=\"63db8ea4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The future of pension provision in Germany is on shaky ground. With the dismissal of former Finance Minister Christian Lindner, <strong>the ambitious Pension Package II, which was intended to secure pension insurance in the long term and promote private equity investments, is in danger of finally failing.<\/strong> In view of demographic change, financial security in old age is becoming increasingly challenging. Even today, <strong>every pensioner in Germany is faced with an insufficient number of contributors, which means that many are dependent on additional basic benefits.<\/strong><\/p>\n<p>But what consequences will Lindner&#8217;s withdrawal have for the planned pension reform? And <strong>what alternatives are there to future-proof pension provision?<\/strong> In this article, we take a look at the initial situation, the planned reforms and show you which strategies you can use for your personal pension provision. You can look forward to the following points in detail:<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-780a78f elementor-widget elementor-widget-heading\" data-id=\"780a78f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contents<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d30ef4b elementor-widget elementor-widget-text-editor\" data-id=\"d30ef4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t1 Initial situation of old-age provision in Germany\r\n<ul>\r\n \t<li>1.1 Brief overview of the German pension system\r\n1.1.1 German Federal Pension Insurance (DRV)\r\n1.1.2 The three pillars of old-age provision: statutory, occupational, private<\/li>\r\n \t<li>1.2 Pension level, demographic change and contribution rates<\/li>\r\n \t<li>1.3 Perspective<\/li>\r\n<\/ul>\r\n2 What was Pension Package II and what was at stake?\r\n<ul>\r\n \t<li>2.1 How was Pension Package II intended to safeguard pension insurance?<\/li>\r\n \t<li>2.2 What roles did the \u201ctraffic light\u201d government and Christian Lindner play?<\/li>\r\n \t<li>2.3 What options does the federal government now have?<\/li>\r\n<\/ul>\r\n3. what is the idea behind generational capital and how could it benefit you privately?\r\n\r\n4. what can you do yourself for your individual retirement provision?\r\n<ul>\r\n \t<li>4.1 Saving with attractive overnight and fixed-term deposit interest rates<\/li>\r\n \t<li>4.2 Buy gold as inflation protection and store it safely<\/li>\r\n \t<li>4.3 Invest in broadly diversified and high-performing funds<\/li>\r\n<\/ul>\r\n5\u00a0 Conclusion: The future of retirement provision is in your hands and we are happy to support you in this process\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e85ae90 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-child\" data-id=\"e85ae90\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-700c262b e-flex e-con-boxed e-con e-child\" data-id=\"700c262b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2cdce367 e-flex e-con-boxed e-con e-child\" data-id=\"2cdce367\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63aa036e elementor-widget elementor-widget-heading\" 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now<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-248cd534 elementor-widget elementor-widget-heading\" data-id=\"248cd534\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. initial situation of old-age provision in Germany<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77ef77ca elementor-widget elementor-widget-text-editor\" data-id=\"77ef77ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>The three-pillar system of old-age provision in Germany<\/strong> is often praised as a stable pillar for financial security in old age &#8211; but does it deliver what it promises? Although the statutory pension forms the basis, for many it is far from sufficient on its own. <strong>According to statistics from German Pension Insurance, the German standard pension is currently just <a href=\"https:\/\/www.stuttgarter-zeitung.de\/inhalt.rente-in-deutschland-so-hoch-ist-die-durchschnittsrente.6aba8b33-f81a-4ada-aee0-901f1db00fb6.html\">1,769.40<\/a> euros<\/strong> <strong>gross, or<\/strong> <a href=\"https:\/\/www.stuttgarter-zeitung.de\/inhalt.rente-in-deutschland-so-hoch-ist-die-durchschnittsrente.6aba8b33-f81a-4ada-aee0-901f1db00fb6.html\"><strong>1,543.00<\/strong><\/a> <strong>euros<\/strong> <strong>net.<\/strong> By comparison, the average income of Germans in 2024 was around <a href=\"https:\/\/www.deutsche-rentenversicherung.de\/SharedDocs\/Glossareintraege\/DE\/D\/durchschnittseinkommen.html#:~:text=Das%20durchschnittliche%20Bruttoarbeitsentgelt%20aller%20Versicherten,45.358%20Euro%20(vorl%C3%A4ufiger%20Wert).\"><strong>45,358<\/strong><\/a><strong> euros<\/strong> gross per year (or around 2,284 euros net per month).<\/p>\n<p>Although <strong>company pension schemes<\/strong> offer additional options here, they are <strong>not always accessible to everyone. And private pension provision?<\/strong> It requires personal initiative and often also financial leeway, which not everyone has. This system may be well thought out in theory, but in practice it is clear that without personal responsibility and long-term planning, there is a risk of gaps that not everyone can fill.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff76fa3 elementor-widget elementor-widget-image\" data-id=\"ff76fa3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Circa-181-Prozent-aller-Senioren-in-Deutschland-sind-bereits-heute-armutsgefaehrdet.jpg\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"Circa 18,1 Prozent aller Senioren in Deutschland sind bereits heute armutsgef\u00e4hrdet\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NzM0NTksInVybCI6Imh0dHBzOlwvXC9lc3RhYmx5LmNvbVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNFwvMTFcL0NpcmNhLTE4MS1Qcm96ZW50LWFsbGVyLVNlbmlvcmVuLWluLURldXRzY2hsYW5kLXNpbmQtYmVyZWl0cy1oZXV0ZS1hcm11dHNnZWZhZWhyZGV0LmpwZyJ9\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1280\" height=\"975\" src=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Circa-181-Prozent-aller-Senioren-in-Deutschland-sind-bereits-heute-armutsgefaehrdet.jpg\" class=\"attachment-full size-full wp-image-73459\" alt=\"Estably Rentenreform\" srcset=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Circa-181-Prozent-aller-Senioren-in-Deutschland-sind-bereits-heute-armutsgefaehrdet.jpg 1280w, https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Circa-181-Prozent-aller-Senioren-in-Deutschland-sind-bereits-heute-armutsgefaehrdet-300x229.jpg 300w, https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Circa-181-Prozent-aller-Senioren-in-Deutschland-sind-bereits-heute-armutsgefaehrdet-1024x780.jpg 1024w, https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Circa-181-Prozent-aller-Senioren-in-Deutschland-sind-bereits-heute-armutsgefaehrdet-768x585.jpg 768w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Figure 1: Around 18.1 percent of people over 65 in Germany are already at risk of poverty today<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1444bc elementor-widget elementor-widget-text-editor\" data-id=\"f1444bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>1.1 Brief overview of the German pension system<\/strong><\/p>\n<p>In Germany, <strong>the statutory pension is based on a pay-as-you-go system: working people pay contributions into the pension fund, which are used to finance the pensions of current pensioners.<\/strong> The amount of the later pension depends on the so-called pension points that are collected during the working life. Pension points reflect individual income in relation to average earnings. <strong>One pension point currently corresponds to an annual gross income on a median basis in Germany, currently 45,358 euros. After 45 years of contributions, insured persons currently receive a gross pension of EUR <a href=\"https:\/\/www.deutsche-rentenversicherung.de\/DRV\/DE\/Rente\/Allgemeine-Informationen\/Wie-wird-meine-Rente-berechnet\/wie-wird-meine-rente-berechnet_node.html#:~:text=Wert%201%2C0.-,Aktueller%20Rentenwert,39%2C32%20Euro%20f%C3%BCr%20Ostdeutschland.\">39.32<\/a> per month per pension point<\/strong> (the same for East and West). The pension amount is capped by the <strong>contribution assessment ceiling,<\/strong> so that even top earners can receive a maximum of around <a href=\"https:\/\/www.t-online.de\/finanzen\/ratgeber\/altersvorsorge\/rententipps\/id_100078908\/3000-euro-rente-im-monat-wer-bekommt-so-hohe-bezuege-.html\">3,538 euros<\/a> gross or around 3,000 euros net per month.<\/p>\n<p>This regulation ensures that the pension does not increase indefinitely, but also ensures that high contributions are not always rewarded proportionally &#8211; a point that repeatedly triggers discussions about the fairness of the system. However, <strong>factors such as child-raising periods or unemployment can also influence the pension amount. Compulsory contributions are paid by employees, while the self-employed and freelancers have to decide for themselves whether they want to pay in.<\/strong> This remains critical: Is this enough for a carefree old age? In the following, we therefore take a closer look at the pension system.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bee6cb elementor-widget elementor-widget-image\" data-id=\"9bee6cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Rentenformel.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"Rentenformel\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NzM1MTMsInVybCI6Imh0dHBzOlwvXC9lc3RhYmx5LmNvbVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNFwvMTFcL1JlbnRlbmZvcm1lbC5wbmcifQ%3D%3D\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1446\" height=\"612\" src=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Rentenformel.png\" class=\"attachment-full size-full wp-image-73513\" alt=\"Rentenformel\" srcset=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Rentenformel.png 1446w, https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Rentenformel-300x127.png 300w, https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Rentenformel-1024x433.png 1024w, https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Rentenformel-768x325.png 768w\" sizes=\"(max-width: 1446px) 100vw, 1446px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Figure 2: Calculate your gross pension at https:\/\/www.deutsche-rentenversicherung.de\/DRV\/DE\/Rente\/Allgemeine-Informationen\/Wie-wird-meine-Rente-berechnet\/wie-wird-meine-rente-berechnet_node.html<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9be4ec4 elementor-widget elementor-widget-heading\" data-id=\"9be4ec4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1.1.1 German Federal Pension Insurance (DRV)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e11acb0 elementor-widget elementor-widget-text-editor\" data-id=\"e11acb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The German Pension Insurance Association (DRV) <strong>is the central institution for statutory pension insurance in Germany.<\/strong> As the largest institution, <strong>it administers old-age provision for millions of insured persons and pensioners.<\/strong> Its main tasks include calculating and paying out pensions, recording insurance periods and providing advice on all matters relating to old-age provision. In addition to old-age provision, the DRV also plays a key role in providing cover in the event of reduced earning capacity. The reduced earning capacity pension provides important financial support for insured persons who are no longer able to work or can only work to a limited extent for health reasons.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2182924 elementor-widget elementor-widget-image\" data-id=\"2182924\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Sozialabgaben-und-steuerlich-gefoerderte-Versicherungs-und-Bankprodukte-bilden-seit-Jahrzehnten-das-Fundament-der-Altersvorsorge-in-Deutschland.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"Sozialabgaben und steuerlich gef\u00f6rderte Versicherungs- und Bankprodukte bilden seit Jahrzehnten das Fundament der Altersvorsorge in Deutschland\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NzM0NjMsInVybCI6Imh0dHBzOlwvXC9lc3RhYmx5LmNvbVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNFwvMTFcL1NvemlhbGFiZ2FiZW4tdW5kLXN0ZXVlcmxpY2gtZ2Vmb2VyZGVydGUtVmVyc2ljaGVydW5ncy11bmQtQmFua3Byb2R1a3RlLWJpbGRlbi1zZWl0LUphaHJ6ZWhudGVuLWRhcy1GdW5kYW1lbnQtZGVyLUFsdGVyc3ZvcnNvcmdlLWluLURldXRzY2hsYW5kLnBuZyJ9\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1255\" height=\"805\" src=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Sozialabgaben-und-steuerlich-gefoerderte-Versicherungs-und-Bankprodukte-bilden-seit-Jahrzehnten-das-Fundament-der-Altersvorsorge-in-Deutschland.png\" class=\"attachment-full size-full wp-image-73463\" alt=\"Altersabsicherung 3 S\u00e4ulen System\" srcset=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Sozialabgaben-und-steuerlich-gefoerderte-Versicherungs-und-Bankprodukte-bilden-seit-Jahrzehnten-das-Fundament-der-Altersvorsorge-in-Deutschland.png 1255w, https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Sozialabgaben-und-steuerlich-gefoerderte-Versicherungs-und-Bankprodukte-bilden-seit-Jahrzehnten-das-Fundament-der-Altersvorsorge-in-Deutschland-300x192.png 300w, https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Sozialabgaben-und-steuerlich-gefoerderte-Versicherungs-und-Bankprodukte-bilden-seit-Jahrzehnten-das-Fundament-der-Altersvorsorge-in-Deutschland-1024x657.png 1024w, https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Sozialabgaben-und-steuerlich-gefoerderte-Versicherungs-und-Bankprodukte-bilden-seit-Jahrzehnten-das-Fundament-der-Altersvorsorge-in-Deutschland-768x493.png 768w\" sizes=\"(max-width: 1255px) 100vw, 1255px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Figure 3: Social security contributions and tax-incentivized insurance and bank products have formed the foundation of old-age provision in Germany for decades; <br><br>*https:\/\/www.einfach-rente.de\/ratgeber-rente\/so-funktioniert-das-deutsche-rentensystem-drei-saeulen-modell (as at 24.11.2024, 9:24 a.m.)<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e52899d elementor-widget elementor-widget-heading\" data-id=\"e52899d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1.1.2 The three pillars of retirement provision: statutory, occupational, private<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ab3567 elementor-widget elementor-widget-text-editor\" data-id=\"2ab3567\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>The need to make company or private provisions in addition to the statutory pension is nothing new.<\/strong> Back in the late 1970s, the pension level fell to around <a href=\"https:\/\/www.eag-ev.de\/aktuelles\/das-ende-der-gewissheit\">60%<\/a> of the last net income. The difference &#8211; then only 40 percent, today around 50 percent &#8211; is known as the pension gap. There are two ways to close this gap: <strong>occupational pension provision or state-subsidized pension products. Both options are often based on funded supplementary insurance or voluntary (additional) contributions to statutory pension insurance,<\/strong> which can be supplemented individually to improve financial security in old age.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bc178e elementor-widget elementor-widget-text-editor\" data-id=\"6bc178e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>1.2 Pension level, demographic change and contribution rates<\/strong><\/h3>\n<p>The pension level in Germany has fallen in recent decades and <strong>currently stands at around 48% of average net income. Without further pension reforms, the level threatens to fall to <a href=\"https:\/\/www.wirtschaftsdienst.eu\/inhalt\/jahr\/2017\/heft\/2\/beitrag\/ueberfordern-hoehere-rentenniveaus-die-jungen-und-sind-sie-nicht-finanzierbar.html#:~:text=Das%20Bundesministerium%20f%C3%BCr%20Arbeit%20und,Niveau%20wird%20als%20unfinanzierbar%20angesehen.\">41.6%<\/a> by 2045, according to the Federal Ministry of Labor and Social Affairs.<\/strong> Demographic change is the main factor behind this development: while the number of pensioners is rising continuously, the number of contributors is falling. In 1962, the ratio was 1:6, today it is only 1:1.8 &#8211; and according to forecasts, this ratio will deteriorate further to 1:1.3 by 2050.<\/p>\n<p>Such a change naturally places a considerable burden on the <strong>pension system and requires urgent adjustments to ensure long-term financial viability.<\/strong> In order to stabilize the pension funds, contribution rates must therefore be regularly adjusted (upwards). <strong>The contribution rate for statutory pension insurance is currently around 18.6%. In the base scenario, however, this is likely to rise to up to <a href=\"https:\/\/www.prognos.com\/de\/projekt\/perspektive-2040-fakten-zur-rentendebatte#:~:text=Der%20Beitragssatz%20steigt%20im%20Basisszenario,h%C3%B6heren%20Leistungen%20der%20gesetzlichen%20Rentenversicherung.\">23.7%<\/a> by 2040.<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e76e6b3 elementor-widget elementor-widget-text-editor\" data-id=\"e76e6b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>1.3 Perspective<\/strong><\/p>\n<p>In view of the looming pension gap and demographic change, there have recently been <strong>various reform proposals and approaches to stabilizing the pension system:<\/strong><\/p>\n<ul>\n<li>Increasing contribution rates<\/li>\n<li>Raising the retirement age<\/li>\n<li>Introduction of a minimum pension (roughly at the basic security level)<\/li>\n<li>Tax incentives for private provision and greater personal responsibility on the part of citizens<\/li>\n<li>Introduction of flexible transitions into retirement (for example through the <a href=\"https:\/\/www.deutsche-rentenversicherung.de\/SharedDocs\/Glossareintraege\/DE\/T\/teilrente.html#:~:text=Altersrenten%20k%C3%B6nnen%20als%20Vollrente%20oder,in%20den%20Ruhestand%20erleichtert%20werden.\">partial pension<\/a> model)<\/li>\n<li>Pension payments should be increasingly funded from tax revenue (to relieve the burden on contributors)<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77f1059 e-con-full e-flex e-con e-child\" data-id=\"77f1059\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6f86a5a e-con-full e-flex e-con e-child\" data-id=\"6f86a5a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-256bd05 e-flex e-con-boxed e-con e-child\" data-id=\"256bd05\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7859146 e-con-full e-flex e-con e-child\" data-id=\"7859146\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12be129 elementor-widget elementor-widget-image\" data-id=\"12be129\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"333\" src=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/02\/AndreasWagner-png.png\" class=\"attachment-large size-large wp-image-60978\" alt=\"Andreas Wagner Estably\" srcset=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/02\/AndreasWagner-png.png 500w, https:\/\/estably.com\/wp-content\/uploads\/2024\/02\/AndreasWagner-png-300x200.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a5f6e4 e-flex e-con-boxed e-con e-child\" data-id=\"4a5f6e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9fccb78 elementor-widget elementor-widget-text-editor\" data-id=\"9fccb78\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong>Our personal tip for you:<\/strong><\/span><\/p>\n<p><em>\u201cMake private pension provision early on to close any gaps. In particular, tax-subsidized capital market investments in an insurance wrapper offer an attractive way to make long-term provisions for retirement. With providers such as Estably in Liechtenstein, you can benefit from effective investment strategies and secure your financial future. Find out more from us!\u201d<\/em><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-62d2976 e-flex e-con-boxed e-con e-child\" data-id=\"62d2976\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e6d3123 e-con-full e-flex e-con e-child\" data-id=\"e6d3123\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1906953 elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"1906953\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Estably Asset Management Ltd<\/strong><br \/>\nSchaanerstrasse 29<br \/>\n9490 Vaduz<br \/>\nLiechtenstein<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4900c1 elementor-widget elementor-widget-image\" data-id=\"f4900c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/rb.gy\/jwtuyl\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"422\" height=\"94\" src=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/02\/Estably-Google-Reviews.png\" class=\"attachment-large size-large wp-image-60967\" alt=\"Estably Google\" srcset=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/02\/Estably-Google-Reviews.png 422w, https:\/\/estably.com\/wp-content\/uploads\/2024\/02\/Estably-Google-Reviews-300x67.png 300w\" sizes=\"(max-width: 422px) 100vw, 422px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cdb0fe4 e-con-full e-flex e-con e-child\" data-id=\"cdb0fe4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aac7e92 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"aac7e92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Curious about personalised advice and tailor-made strategies for your individual situation? Get your free and non-binding initial consultation with us now!<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e2ab23 e-flex e-con-boxed e-con e-child\" data-id=\"7e2ab23\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e17293 elementor-align-center e-transform elementor-widget elementor-widget-button\" data-id=\"4e17293\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_scale_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.1,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/calendly.com\/establycom\/beratungsgespraech?utm_source=blog\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Arrange a consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-763375f7 e-flex e-con-boxed e-con e-child\" data-id=\"763375f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-193acbc2 e-flex e-con-boxed e-con e-child\" data-id=\"193acbc2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2684d362 elementor-widget elementor-widget-heading\" data-id=\"2684d362\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2 What was Pension Package II and what was at stake?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cf07695 elementor-widget elementor-widget-text-editor\" data-id=\"1cf07695\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The new pension reform was <strong>considered to be one of the most ambitious projects of the traffic light coalition,<\/strong> which was intended to stabilize and modernize pension provision in Germany in the long term. However, <strong>the plans fell through when Finance Minister Christian Lindner surprisingly set new budget priorities with his \u201cEconomic Turnaround Germany\u201d paper.<\/strong> Austerity measures for social benefits,<strong> climate and pensions triggered heated debates and ultimately led to the government breaking up.<\/strong> Lindner&#8217;s resignation and the FDP&#8217;s withdrawal from the coalition marked the end of the \u201ctraffic light\u201d government. And with it the end of the planned pension reforms. Find out more in the following subsections about the idea behind <em>Pension Package II<\/em>, the final positions of the individual parties in the traffic light government and what happens now.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fe7404 elementor-widget elementor-widget-image\" data-id=\"5fe7404\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Das-geplante-Gesetzesvorhaben-zum-Rentenpaket-II-sollte-die-kuenftigen-Rentenzahlungen-aus-mehreren-Teilen-zusammensetzen.png\" data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-title=\"Das geplante Gesetzesvorhaben zum Rentenpaket II sollte die k\u00fcnftigen Rentenzahlungen aus mehreren Teilen zusammensetzen\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6NzM0NjUsInVybCI6Imh0dHBzOlwvXC9lc3RhYmx5LmNvbVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNFwvMTFcL0Rhcy1nZXBsYW50ZS1HZXNldHplc3ZvcmhhYmVuLXp1bS1SZW50ZW5wYWtldC1JSS1zb2xsdGUtZGllLWt1ZW5mdGlnZW4tUmVudGVuemFobHVuZ2VuLWF1cy1tZWhyZXJlbi1UZWlsZW4tenVzYW1tZW5zZXR6ZW4ucG5nIn0%3D\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1029\" height=\"720\" src=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Das-geplante-Gesetzesvorhaben-zum-Rentenpaket-II-sollte-die-kuenftigen-Rentenzahlungen-aus-mehreren-Teilen-zusammensetzen.png\" class=\"attachment-full size-full wp-image-73465\" alt=\"Rentenpaket\" srcset=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Das-geplante-Gesetzesvorhaben-zum-Rentenpaket-II-sollte-die-kuenftigen-Rentenzahlungen-aus-mehreren-Teilen-zusammensetzen.png 1029w, https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Das-geplante-Gesetzesvorhaben-zum-Rentenpaket-II-sollte-die-kuenftigen-Rentenzahlungen-aus-mehreren-Teilen-zusammensetzen-300x210.png 300w, https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Das-geplante-Gesetzesvorhaben-zum-Rentenpaket-II-sollte-die-kuenftigen-Rentenzahlungen-aus-mehreren-Teilen-zusammensetzen-1024x717.png 1024w, https:\/\/estably.com\/wp-content\/uploads\/2024\/11\/Das-geplante-Gesetzesvorhaben-zum-Rentenpaket-II-sollte-die-kuenftigen-Rentenzahlungen-aus-mehreren-Teilen-zusammensetzen-768x537.png 768w\" sizes=\"(max-width: 1029px) 100vw, 1029px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Figure 4: The planned legislative proposal for Pension Package II was intended to make up future pension payments in several parts<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f84fc3e elementor-widget elementor-widget-heading\" data-id=\"f84fc3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2.1 How should Pension Package II safeguard pension insurance?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d77bd8 elementor-widget elementor-widget-text-editor\" data-id=\"7d77bd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pension Package II <strong>was intended to keep the pension level stable until mid-2040.<\/strong> A reform was prepared in the Bundestag specifically for this purpose, which provided for contribution increases and further state subsidies (in 2023, the pension insurance scheme was already subsidized with taxpayers&#8217; money amounting to <a href=\"https:\/\/www.bundestag.de\/dokumente\/textarchiv\/2023\/kw36-de-arbeit-soziales-957820#:~:text=45%2C09%20Milliarden%20Euro%20(2023,Rentenversicherung%20in%20den%20neuen%20L%C3%A4ndern.\">121.05 billion euros<\/a>). <strong>From 2025, an endowment fund was also to be opened, which was to have a capital stock of <a href=\"https:\/\/www.bundesfinanzministerium.de\/Monatsberichte\/Ausgabe\/2024\/03\/Inhalte\/Kapitel-2-Fokus\/generationenkapital.html\">200 billion euros<\/a> by the mid-2030s.<\/strong> From this point onwards, the income from the generational capital would have contributed an average of 10 billion euros per year to the statutory pension scheme. For the first time in its history, Germany would thus have launched a funded pension insurance scheme (at least in part).<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-666c646 elementor-widget elementor-widget-heading\" data-id=\"666c646\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2.2 What roles did the traffic light government and Christian Lindner play?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d802dbe elementor-widget elementor-widget-text-editor\" data-id=\"d802dbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The coalition government was deeply divided, especially in the discussion about the second pension package. This was because<strong> the different positions of the governing parties<\/strong> had a decisive influence on the debate:<\/p>\n<ul>\n<li><strong>Social Democratic Party of Germany (SPD):<\/strong> it rejected the privatization of old-age provision and called for higher state subsidies to safeguard pension levels.<\/li>\n<li><strong>Free Democratic Party (FDP):<\/strong> It focused on personal responsibility and wanted to use generational capital to relieve the burden on pension funds through private investment.<\/li>\n<li><strong>Alliance 90\/The Greens:<\/strong> Although they supported intergenerational capital, they insisted on sustainability criteria and called for social justice.<\/li>\n<\/ul>\n<p><strong>As Finance Minister at the time, Christian Lindner bore the main responsibility for Pension Package II and its implementation.<\/strong> However, the profound disagreements within the traffic light coalition, in particular the fierce rejection of savings in other areas, presented him with ever greater obstacles. However, <strong>internal conflicts led to growing frustration and increasingly shrank his political room for maneuver.<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88fdf7f elementor-widget elementor-widget-heading\" data-id=\"88fdf7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2.3 What options does the Federal Government now have?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4eefff3 elementor-widget elementor-widget-text-editor\" data-id=\"4eefff3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Following the failure of the traffic light coalition, a comprehensive policy change is now imminent. This is likely to have a particular impact on pension policy. For example, <strong>the CDU is planning the active pension, which allows people to continue working tax-free after reaching retirement age.<\/strong> At the same time, the focus is on higher deductions for early retirement and incentives to work longer. <strong>Raising the retirement age to 70 is also conceivable.<\/strong> As the FDP in particular favored the (partial) solution with generational capital, capital-based (and largely self-reliant, state-subsidized) retirement provision will probably not be implemented in Germany this time either.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-47b10854 e-flex e-con-boxed e-con e-child\" data-id=\"47b10854\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1b74787d e-flex e-con-boxed e-con e-child\" data-id=\"1b74787d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-533028a5 e-con-full e-flex e-con e-child\" data-id=\"533028a5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-339e1723 elementor-widget elementor-widget-image\" data-id=\"339e1723\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"333\" src=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/02\/AndreasWagner-png.png\" class=\"attachment-large size-large wp-image-60978\" alt=\"Andreas Wagner Estably\" srcset=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/02\/AndreasWagner-png.png 500w, https:\/\/estably.com\/wp-content\/uploads\/2024\/02\/AndreasWagner-png-300x200.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53fcb978 e-flex e-con-boxed e-con e-child\" data-id=\"53fcb978\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-258932ee elementor-widget elementor-widget-text-editor\" data-id=\"258932ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong>Our personal tip for you:<\/strong><\/span><\/p>\n<p><em>\u201cPrivate pension provision is more important today than ever. Irrespective of any planned pension reform, unit-linked pension insurance policies already offer tax advantages during the savings phase and enable you to effectively close the looming pension gap. Don&#8217;t rely on political reforms &#8211; take responsibility and secure your financial future yourself! Our experienced team will be happy to advise you free of charge and without obligation!\u201d<\/em><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19eaf8e7 e-flex e-con-boxed e-con e-child\" data-id=\"19eaf8e7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-14f80ca5 e-con-full e-flex e-con e-child\" data-id=\"14f80ca5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74dc5e0a elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"74dc5e0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Estably Asset Management Ltd<\/strong><br \/>\nSchaanerstrasse 29<br \/>\n9490 Vaduz<br \/>\nLiechtenstein<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1681b1d1 elementor-widget elementor-widget-image\" data-id=\"1681b1d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/rb.gy\/jwtuyl\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"422\" height=\"94\" src=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/02\/Estably-Google-Reviews.png\" class=\"attachment-large size-large wp-image-60967\" alt=\"Estably Google\" srcset=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/02\/Estably-Google-Reviews.png 422w, https:\/\/estably.com\/wp-content\/uploads\/2024\/02\/Estably-Google-Reviews-300x67.png 300w\" sizes=\"(max-width: 422px) 100vw, 422px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e827ab2 e-con-full e-flex e-con e-child\" data-id=\"7e827ab2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24c9f6a2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"24c9f6a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Curious about personalised advice and tailor-made strategies for your individual situation? Get your free and non-binding initial consultation with us now!<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6187f6 e-flex e-con-boxed e-con e-child\" data-id=\"c6187f6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a2a8664 elementor-align-center e-transform elementor-widget elementor-widget-button\" data-id=\"3a2a8664\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_scale_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.1,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/calendly.com\/establycom\/beratungsgespraech?utm_source=blog\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Arrange a consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9aaa282 elementor-widget elementor-widget-heading\" data-id=\"9aaa282\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. What is the idea behind generational capital and how could it benefit you privately?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-132ca97e elementor-widget elementor-widget-text-editor\" data-id=\"132ca97e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Ampel government&#8217;s generation capital was based on the idea of the Norwegian sovereign wealth fund: a sustainable capital investment was to contribute to the long-term stabilization of pension insurance. The plan was for a state-managed fund that would have invested in broadly diversified global equity markets in order to achieve stable long-term returns. The project was designed for the long term and aimed less to benefit current pensioners and more to ease the financial burden on future generations. With a target capital of 200 billion euros by the mid-2030s, the fund&#8217;s earnings were to contribute around 10 billion euros a year to the statutory pension scheme. This would reduce dependence on taxpayers&#8217; money and modernize part of the funded pension system.<\/p>\n<p>Even if the generational capital is unlikely to materialize: <strong>The approach behind it can be perfectly applied to your own pension provision! By investing regularly in the stock markets at an early stage, you can create your own personal generational capital.<\/strong> This allows you to benefit from long-term returns, secure financial independence in old age and free yourself from the uncertainties of state pension policy.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a5c844 elementor-widget elementor-widget-heading\" data-id=\"0a5c844\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4 What can you do yourself for your individual retirement provision?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1201933 elementor-widget elementor-widget-text-editor\" data-id=\"1201933\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Now more than ever, personal initiative is required when it comes to individual retirement provision. In this respect, Germans are a nation of savers: <a href=\"https:\/\/de.statista.com\/statistik\/daten\/studie\/13314\/umfrage\/aktuell-genutzte-geldanlagen-der-deutschen\/\">41 percent<\/a> of all Germans save in their current accounts and <a href=\"https:\/\/de.statista.com\/statistik\/daten\/studie\/13314\/umfrage\/aktuell-genutzte-geldanlagen-der-deutschen\/\">35 percent<\/a> in other low-interest demand deposits. <strong>As an asset manager with many years of experience based in Liechtenstein, the <a href=\"https:\/\/estably.com\/en\/\">Estably<\/a> team recommends the following three (private) pillars for your individual retirement provision:<\/strong><\/p>\n<ul>\n<li>Invest cash and cash reserves in high-interest overnight and fixed-term deposit accounts at the Liechtensteinische Landesbank (LLB)<\/li>\n<li>Add gold as protection against inflation<\/li>\n<li>Invest the majority in broadly diversified, high-performing and tax-advantaged equity investments in an insurance wrapper<\/li>\n<\/ul>\n<p>Finally, find out how you can <strong>optimize your private pension provision with the support of Estably from Liechtenstein<\/strong> in order to be financially well prepared for the future.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa73aad elementor-widget elementor-widget-heading\" data-id=\"aa73aad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4.1 Saving with attractive overnight and fixed-term deposit interest rates<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9042444 elementor-widget elementor-widget-text-editor\" data-id=\"9042444\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Secure up to<strong><a href=\"https:\/\/estably.com\/en\/call-money-and-fixed-deposits\/\"> 2.65 percent<\/a> overnight and fixed-term deposit interest for your savings<\/strong> and sight deposits in one of the safest banking centers in the world and receive interest rates that are <strong>above the current inflation rate in Germany<\/strong> (as of 2024: <strong><a href=\"https:\/\/de.statista.com\/statistik\/daten\/studie\/1045\/umfrage\/inflationsrate-in-deutschland-veraenderung-des-verbraucherpreisindexes-zum-vorjahresmonat\/\">2.00 percent<\/a><\/strong>). This is because your call money and fixed-term deposits are invested with the LLB in the <strong>Principality of Liechtenstein via our Estably asset management agreement.<\/strong> Deposit protection in Liechtenstein guarantees you 100,000 euros per customer in the event of bankruptcy.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b9b068 elementor-widget elementor-widget-heading\" data-id=\"7b9b068\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4.2 Buy gold as inflation protection and store it safely<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a2aeb5 elementor-widget elementor-widget-text-editor\" data-id=\"9a2aeb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Storing gold in Liechtenstein is <strong>another ideal addition to your private pension provision<\/strong>. Thanks to the Principality&#8217;s political stability and economic security, you benefit from <strong>maximum protection against government intervention and economic risks.<\/strong> As a crisis-proof investment, gold secures your assets in the long term, while <strong>storage at the LLB guarantees maximum security and easy availability.<\/strong> Take advantage of this exclusive opportunity to effectively diversify and sustainably secure your retirement provision.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6a1e72 elementor-widget elementor-widget-heading\" data-id=\"a6a1e72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">4.3 Investing in high-performance strategies<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cff934 elementor-widget elementor-widget-text-editor\" data-id=\"6cff934\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>However, the main focus of your private pension provision should be on unit-linked pension insurance. <strong>With Estably, you can therefore also make tax-optimized <a href=\"https:\/\/estably.com\/en\/retirement-provision-with-estably\/\">private provisions<\/a> for old age and build up long-term assets. Starting with a minimum investment of EUR 100,000<\/strong>, you invest in a high-performance <strong>strategy that invests in carefully selected individual shares in accordance with the successful <a href=\"https:\/\/estably.com\/en\/value-investing\/\">value investing principles<\/a><\/strong>:<\/p>\n<ul>\n<li><strong><a href=\"https:\/\/estably.com\/en\/modern-value\/\">Modern Value 80<\/a><\/strong> (80 percent equities, 20 percent bonds)<\/li>\n<\/ul>\n<p>Our <strong>fees are transparent and consist of a management fee of 1.19 percent p.a. plus 0.30 percent bank charges and a performance fee of 10 percent<\/strong> on profits. Thanks to the <strong>tax-free accumulation phase<\/strong> and <strong>reduced taxation in the payout phase,<\/strong> you benefit from maximum efficiency. The high-yield investment strategy has achieved first-class results since its launch in 2016, as <strong>proven by independent performance tests. Take advantage of these benefits to structure your retirement provision individually and sustainably<\/strong> &#8211; securely held at St. Galler Kantonalbank in Switzerland.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6d6c64 elementor-widget elementor-widget-text-editor\" data-id=\"c6d6c64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>So how exactly does it all work, and what advantages does it offer?<\/p>\n<ul>\n<li><strong>One-off payment or monthly savings installments:<\/strong> You have the choice of either making a one-off payment or paying regular monthly savings installments to build up your assets for retirement.<\/li>\n<li><strong>Savings phase:<\/strong> During the savings phase, you benefit from a tax-free growth rate on your investments. Your money grows exponentially due to the compound interest effect, without taxes being levied on gains.<\/li>\n<li><strong>Tax-free payout:<\/strong> From the age of 62 and after an investment period of at least 12 years, only half of the profit is taxed &#8211; this significantly reduces your tax burden! Example: With a profit of 200,000 euros and a personal tax rate of 30 percent, you only pay 15 percent tax on the profit, which results in a saving of 20,000 euros.<\/li>\n<li><strong>Flexible payout options:<\/strong> You decide whether you want your saved capital paid out in a single payment or monthly.<\/li>\n<li><strong>Digital overview:<\/strong> You can access your investment data at any time via app, make additional payments and track performance.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-64f49155 e-con-full e-flex e-con e-child\" data-id=\"64f49155\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6ccd1f7b e-flex e-con-boxed e-con e-child\" data-id=\"6ccd1f7b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-67c0f5d6 e-con-full e-flex e-con e-child\" data-id=\"67c0f5d6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6feb5ba4 elementor-widget elementor-widget-image\" data-id=\"6feb5ba4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"313\" src=\"https:\/\/estably.com\/wp-content\/uploads\/2023\/06\/markus-prodinger-png.png\" class=\"attachment-large size-large wp-image-41306\" alt=\"Markus Prodinger Estably\" srcset=\"https:\/\/estably.com\/wp-content\/uploads\/2023\/06\/markus-prodinger-png.png 400w, https:\/\/estably.com\/wp-content\/uploads\/2023\/06\/markus-prodinger-png-300x235.png 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-909feac e-flex e-con-boxed e-con e-child\" data-id=\"909feac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4354de83 elementor-widget elementor-widget-text-editor\" data-id=\"4354de83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong>Our personal tip for you:<\/strong><\/span><\/p>\n<p><em>\u201cFocus your retirement provision on unit-linked pension insurance, together with Estably. Your contributions are invested in a tax-optimized manner in high-performance strategies that can generate high returns in the long term. Thanks to tax advantages and professional management, this is one of the most efficient ways to look to the future with financial security. Let our experts show you now in a free consultation how you can individually optimize your retirement provision!\u201d<\/em><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e69c35f e-flex e-con-boxed e-con e-child\" data-id=\"1e69c35f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1d20b95c e-con-full e-flex e-con e-child\" data-id=\"1d20b95c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d3765c4 elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"7d3765c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Estably Asset Management Ltd<\/strong><br \/>\nSchaanerstrasse 29<br \/>\n9490 Vaduz<br \/>\nLiechtenstein<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c5feb91 elementor-widget elementor-widget-image\" data-id=\"1c5feb91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/rb.gy\/jwtuyl\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"422\" height=\"94\" src=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/02\/Estably-Google-Reviews.png\" class=\"attachment-large size-large wp-image-60967\" alt=\"Estably Google\" srcset=\"https:\/\/estably.com\/wp-content\/uploads\/2024\/02\/Estably-Google-Reviews.png 422w, https:\/\/estably.com\/wp-content\/uploads\/2024\/02\/Estably-Google-Reviews-300x67.png 300w\" sizes=\"(max-width: 422px) 100vw, 422px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f393e3a e-con-full e-flex e-con e-child\" data-id=\"f393e3a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-187cfb72 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"187cfb72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Curious about personalised advice and tailor-made strategies for your individual situation? Get your free and non-binding initial consultation with us now!<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67e9a5b4 e-flex e-con-boxed e-con e-child\" data-id=\"67e9a5b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-163b0b33 elementor-align-center e-transform elementor-widget elementor-widget-button\" data-id=\"163b0b33\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_scale_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:1.1,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_scale_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/calendly.com\/establycom\/beratungsgespraech?utm_source=blog\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Arrange a consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac672b5 elementor-widget elementor-widget-heading\" data-id=\"ac672b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">5 Conclusion: The future of retirement provision is in your hands and we are happy to support you in this process<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35e73bd elementor-widget elementor-widget-text-editor\" data-id=\"35e73bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tThe future of <strong>retirement provision requires initiative and strategic action.<\/strong> In view of the political uncertainties and demographic challenges, you should focus on the following alternatives to the statutory pension: <strong>High-interest overnight and fixed-term deposits, crisis-proof gold AND high-performance equity strategies.<\/strong> Estably supports you with tailor-made solutions for your individual pension provision &#8211; reliable, transparent and tax-optimized. Lay the foundations now for financial security in old age and <strong>benefit from sustainable strategies that suit you perfectly.<\/strong>\r\n\r\n<strong>Take advantage of <em>Estably&#8217;s<\/em> expertise to design an individual retirement provision portfolio that is perfectly tailored to your needs.<\/strong> As a company based in Vaduz in the Principality of Liechtenstein, Estably offers investors access to <a href=\"https:\/\/estably.com\/en\/investment\/\"><strong>high-quality portfolios<\/strong><\/a> and the benefits of a stable and flexible financial center. Recognized in prestigious publications such as <em><a href=\"https:\/\/www.forbes.at\/artikel\/werte-die-zaehlen\">Forbes<\/a>, <a href=\"https:\/\/www.focus.de\/magazin\/archiv\/portraet-estably-investieren-wie-buffett_id_13506886.html\">Focus Money<\/a><\/em> and <a href=\"https:\/\/www.wallstreet-online.de\/nachricht\/12106262-ots-estably-vermoegensverwaltung-ag-digitale-vermoegensverwaltung\"><em>wallstreet:online<\/em>,<\/a> Estably offers private and institutional investors a wide range of first-class financial services. We look forward to meeting you free of charge and without obligation!\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-640711dc e-flex e-con-boxed e-con e-child\" data-id=\"640711dc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-398e9638 e-con-full e-flex e-con e-child\" data-id=\"398e9638\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6efaeacd elementor-widget elementor-widget-image\" data-id=\"6efaeacd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"313\" src=\"https:\/\/estably.com\/wp-content\/uploads\/2023\/06\/markus-prodinger-png.png\" class=\"attachment-large size-large wp-image-41306\" alt=\"Markus Prodinger Estably\" srcset=\"https:\/\/estably.com\/wp-content\/uploads\/2023\/06\/markus-prodinger-png.png 400w, https:\/\/estably.com\/wp-content\/uploads\/2023\/06\/markus-prodinger-png-300x235.png 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63ba5eaf elementor-widget elementor-widget-text-editor\" data-id=\"63ba5eaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Let us advise you on the topics of finance, asset management, capital investment and much more!<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b3d4068 e-con-full e-flex e-con e-child\" data-id=\"1b3d4068\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c3a13be elementor-widget elementor-widget-text-editor\" data-id=\"5c3a13be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>DO YOU HAVE ANY QUESTIONS OR SUGGESTIONS ON THE ABOVE TOPIC? 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Thanks to the portfolio managers&#8217; many years of experience in the field of value investing, the aim is to achieve above-average returns. The aim is to make professional asset management, which was previously exclusively available to major investors, accessible to everyone &#8211; conveniently, transparently and profitably.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Has former Finance Minister Christian Lindner gambled away? His ambitious pension package II, which was supposed to revolutionize old-age provision, is now on the brink of collapse.<\/p>\n","protected":false},"author":2,"featured_media":73457,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_joinchat":[],"footnotes":""},"categories":[],"tags":[],"class_list":["post-73454","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How the pension package II should reform old-age provision<\/title>\n<meta name=\"description\" content=\"Pension package II should secure old-age provision | The broken dreams of the traffic light government and how you can make provisions with Estably\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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