About this guide

You’re in the prime of life and retirement is still a long way off. But you want to sort out your pension arrangements so you can save tax today and be financially secure in the future. Get an overview of all your pension options now. We have created this guide for you in partnership with Beobachter magazine.

The three-pillar system

What is a “pension gap”?

Close pension gaps with pillar 3a

Pillar 3a with a bank or insurance company

How else can I prepare for ret

Pay missing contribution years into the state pension

Buying into your pension fund

Pillar 3a

Saving and budgeting

Where can you make the most savings?

Reducing fixed costs in old age

Savings in everyday life

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