The more you accumulate, the better.

Your exact amount of pension points is calculated based on your voluntarily paid contributions and your age. The points are accumulated each month and totalled, thus increasing your occupational pension entitlement year by year. Added to this, there’s a possible profit mark-up of up to 20 % from the profits that we generate.

We will inform you how many pension points you have accumulated each year by sending you an account statement.

 

Your pension points are calculated according to your contributions.

 

*Possible increase where the pension for reduced earning capacity and/or survivors is excluded.

The amount of profit depends on the economic situation, i.e. how much we generate year by year and are able to pass on to you as bonus points.

Your pension points + bonus points x EUR 4 + up to 20% profit mark-up = your possible occupational pension

The age factor takes into account the interest yield of the contributions paid. The following applies as a rule: the younger the member is when the contract is concluded, the higher the age factor, as the interest over an insurance period of 30 or 40 years results in a higher yield than for a member who is insured for only 10 years.

 

Age Factor Age Factor
17 0.95 42 0.90
18 0.94 43 0.90
19 0.94 44 0.90
20 0.94 45 0.90
21 0.94 46 0.89
22 0.94 47 0.89
23 0.94 48 0.89
24 0.93 49 0.89
25 0.93 50 0.89
26 0.93 51 0.89
27 0.93 52 0.89
28 0.92 53 0.89
29 0.92 54 0.88
30 0.92 55 0.88
31 0.92 56 0.88
32 0.92 57 0.88
33 0.91 58 0.88
34 0.91 59 0.88
35 0.91 60 0.88
36 0.91 61 0.88
37 0.91 62 0.88
38 0.91 63 0.88
39 0.90 64 0.88
40 0.90 65 0.88
41 0.90 66 0.86
    67 0.85