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Specified private property inherited and growing in euro
Specified property
Under labour market agreements, employers are required to pay 11.5% of employees' wages to a pension fund. You can choose to dispose of 3.5% of that contribution into specified private property, which, as the name suggests, is in private property and inherited upon death.
Supplementary Agreement C2
Contract - Appendix D,
Contract - Supplement E
- 3.5% will be your own personal property
- 90% Secured Headrest
- Fully Inherited
- Invested in Euros
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62 years
Disbursement age
First Disbursement
3,5%
Disposed of 11,5%
Private property
12 years
Minimum contract time
The German system
Three key points in the specified private property
Capital guarantee 90% in euros
Your savings are protected against inflation and currency fluctuations - 90% of the principal is insured under German law.
- 90% protection in euros
- No depreciation of the head due to the crown
- 90% of excess profits go to customers
- Guaranteed profit share every year
Inherited credit 100%
At death, the accumulated capital balance passes unimpaired to the heirs and strengthens the financial security of the family.
- Fully inherited at death
- No Inheritance Tax on Capital
- Paid directly to law enforcement
- Ensures the stability of the family
Assessment of your criteria
Choose whether you receive the savings as a lump sum payment or regular monthly payments — even a mix of both.
- Lump sum or monthly pension
- Can take out part of the headboard
- Audit from 62 years (private property: 60 years)
- Adapted to objectives and tax status
FAQ's
What is specified private property?
Specified personal property is 3.5% of the 11.5% employer compulsory premium that you dispose of in your own personal property. The credit carries interest, is 90% guaranteed in euros and is fully inherited.
When can I start the payment?
From 62 yearsage; the disbursement depends on the rules of the co-insurance fund you pay into.
Is the specified private property hereditary?
Yes, she is 100% heritableat death.
Can the specified private property be used for the purchase of a first apartment?
Yes, the specified private property may be disposed of tax-freeto the first apartment, according to the rules of the Tax and Regulation No. 1586/2022.
What is included in 90% capital insurance in euros?
The principal is protected in euros and 90% of the excess profits flow to customers in the form of a guaranteed profit share.
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