PENSION PLANNING

Planning in advance

No matter whether you are planning your early retirement or whether you intend to continue to work until your retirement age, pension planning should not be deferred. At the age of 55 at the latest, you should start thinking about your personal pension planning. Discussions on our social insurance schemes and their revisions are never-ending. We therefore advise you to deal with this topic as early as possible in order to be able to set the right course!

The key questions are:

• Are the pension fund benefits to be drawn in the form of a pension or as a capital sum?
• How and where do I invest the money drawn from my pension fund or fixed-term insurances or investments?
• What benefits am I to expect from old age insurance?
• How do I fill income gaps resulting from early retirement?
• How can I reduce my tax burden?
• What’s the best solution for protecting my partner?
• Who is to inherit my fortune after my demise?
• Do I have to pay back my mortgage when I’m old?