Free Pension Check with PerFinEx
Optimize your German pension plan with our free expert analysis. Identify gaps, maximize benefits, and secure your retirement future. 📈
The PerFinEx Pension Check in a Nutshell
Planning for a comfortable retirement in Germany requires a solid understanding of the pension system and the available options. Our free pension contract check helps you assess your current retirement plan, whether it’s a state pension, Rürup pension, or private pension scheme.
Here’s how it works:
- Upload: Securely upload your German pension contract(s) through our user-friendly online form. We accept various file formats, including PDF, JPG, and PNG. You can upload contracts for your state pension, Rürup pension, Riester pension, company pension scheme, or any other private pension plan you may have.
- Analysis: Our team of experienced pension experts in Germany will thoroughly analyze your pension contracts. We’ll consider your individual circumstances, such as your age, employment history, income level, and risk tolerance, as well as your retirement goals and desired lifestyle. Our analysis will identify potential gaps, assess the performance of your investments, and evaluate the fees and benefits associated with your pension plans.
- Report: After our in-depth analysis, we’ll provide you with a clear, concise, and personalized report outlining our findings. This report will highlight potential areas for improvement in your pension strategy, suggest ways to optimize your contributions and investments, and offer tailored recommendations to help you achieve your retirement goals.
Our pension check helps you:
- Gap Analysis: Identify potential gaps or shortcomings in your current retirement planning strategy. This includes assessing whether your current savings and investments are sufficient to meet your retirement needs and identifying any potential areas where you may need to increase your contributions or explore additional pension options.
- Optimization: Optimize your pension contributions to maximize your potential retirement income and ensure a comfortable retirement. We’ll help you understand the contribution limits for different pension schemes, identify potential tax benefits, and develop a contribution strategy that aligns with your income and financial goals.
- Goal Alignment: Ensure your pension strategy is aligned with your long-term retirement goals and desired lifestyle. We’ll consider your desired retirement age, estimated living expenses, and personal preferences to help you tailor a pension plan that supports your vision for retirement.
- Understanding: Gain a deeper understanding of the complex German pension landscape and how it applies to your individual situation. We’ll explain the different pillars of the German pension system, clarify the rules and regulations for different pension schemes, and help you navigate the intricacies of retirement planning in Germany.
Ready to take control of your retirement planning? Upload your contract today and gain valuable insights into your pension plan, identify potential gaps, and optimize your retirement savings.
The PerFinEx Contract Check Explained in a Video
Our Pension Check
Your PerFinEx financial advisory team
Your Financial advice
Personal finance in Germany can be difficult – especially as an expat with limited German language skills. We make your financial planning as easy as possible. All you need is a device that is connected to the internet to secure a free online meeting with us.
Why is a Pension Check Important?
Navigating the German pension system can be complex, especially for expats. A pension check provides clarity and peace of mind, ensuring your retirement plans are on track.
Here’s why a pension check is crucial:
Identify Gaps: Uncover potential gaps in your retirement savings strategy. Many factors influence your retirement income, including your employment history, contributions to different pension schemes, and eligibility for state benefits. A thorough check can reveal areas where you might need to adjust your plan, such as increasing contributions, exploring additional pension options, or considering alternative investment strategies.
Maximize Income: Optimize your contributions to ensure you’re maximizing your potential retirement income. We’ll help you understand the three pillars of the German pension system — the Rürup pension, the Riester pension, and the Private pension — and identify opportunities to increase your savings within each pillar. We’ll also analyze your current investment strategy within your pension plans and suggest adjustments to potentially enhance your returns.
Achieve Your Goals: Align your pension strategy with your individual retirement goals. Whether you dream of traveling the world, pursuing hobbies, or simply enjoying a comfortable life at home, we’ll help you build a plan that supports your aspirations. We’ll consider your desired retirement age, estimated living expenses, and personal preferences to tailor a strategy that meets your unique needs.
Stay Informed: Stay informed about changes in the German pension system and how they might affect your retirement plans. Pension regulations and contribution limits can change over time, and staying up-to-date is essential for optimizing your savings. We’ll keep you updated on relevant changes and ensure your strategy remains effective.
Avoid Costly Mistakes: Prevent costly mistakes that could jeopardize your retirement security. Common pitfalls include underestimating retirement expenses, neglecting to adjust your plan for inflation, or choosing unsuitable investment options within your pension plans. A pension check can help you avoid these mistakes and make informed decisions about your retirement savings.
Peace of Mind: Gain peace of mind knowing that your retirement planning is in expert hands. We’ll provide you with the knowledge and guidance you need to make confident decisions about your financial future. Our personalized advice and support will empower you to take control of your retirement planning and approach your golden years with confidence.
Don’t leave your retirement to chance. Invest in a pension check today and secure your financial well-being in Germany. Gain a clear understanding of your pension plan, identify potential gaps, and enjoy the confidence that comes with knowing you’re on the right track for a comfortable retirement.
Learn More About Pension in Germany On Social Media
Social media can be a valuable source of information when learning more about pensions in Germany. By following our accounts, you can get helpful tips, news, and resources related to the pension system and regulations in Germany.
How does the pension check work?
At PerFinEx, we specialize in reviewing a wide range of pension contracts to help you understand your retirement savings strategy and optimize your benefits. Here are the main types of pension contracts we can analyze for you:
Level 1: Rürup Pension (Basisversorgung)
- Key Features: The Rürup pension, also known as the “Basisversorgung,” is a government-subsidized private pension scheme designed to supplement the state pension. It offers attractive tax benefits and is particularly suitable for self-employed individuals, freelancers, and high earners.
- Our Review: We’ll analyze your Rürup contract, assess its investment performance, and ensure it aligns with your risk tolerance and retirement goals. We’ll also help you understand the tax benefits and contribution limits associated with this pension type.
Level 2: Riester Pension (Riester-Rente)
- Key Features: The Riester pension is another government-subsidized private pension scheme aimed at employees, civil servants, and low- to middle-income earners. It offers government allowances and tax benefits to encourage retirement savings.
- Our Review: We’ll review your Riester contract, evaluate its investment strategy, and ensure you’re maximizing the available government allowances. We’ll also help you understand the eligibility criteria and contribution limits.
Level 3: Private Pension (Private Rentenversicherung)
- Key Features: Private pensions encompass a wide range of products offered by private insurance companies. They provide flexibility and allow you to tailor your retirement savings strategy to your individual needs and risk profile.
- Our Review: We’ll analyze your private pension contract, assess its investment performance, fees, and flexibility. We’ll also compare it to other available options and recommend adjustments to optimize your retirement income.
Beyond these main types, we can also review:
- State Pension Information: We can help you understand your projected state pension benefits based on your contribution history and eligibility.
- Company Pension Schemes: We can analyze your company pension plan, explain its benefits and limitations, and help you integrate it into your overall retirement strategy.
No matter what type of pension contracts you have, we can provide expert analysis and guidance to help you make informed decisions about your retirement savings.
How You Benefit From Working With PerFinEx
PerFinEx GmbH is registered as an independent financial advisor in all fields of personal finance: insurance, investments, and loans according to § 34 German trade regulations (Gewerbeordnung) & supervised by the German Chamber of Commerce and Industry (IHK).
Independent Advice
We are an independent financial advisor working with hundreds of different banks, insurance & pension companies.
No Additional Costs
We are paid in commissions that the German government regulates. Working with us comes at no extra cost for you.
Licensed & Regulated
We are licensed in all 3 different fields of personal finance and compliant with German financial laws & regulations.
FAQ about Our Free Pension Check
Why should I have my pension contracts checked?
A pension check helps you understand your current pension situation, identify potential gaps or areas for improvement, and optimize your retirement savings strategy.
What types of pension contracts do you review?
We review a wide range of pension contracts, including Rürup pensions, Riester pensions, company pension schemes, and private pension plans.
How much does a pension check cost?
Our initial pension check is completely free of charge. We offer this service to help expats understand their pension situation and identify potential areas for improvement.
Will I receive unsolicited offers after the pension check?
We value your privacy and will not share your information with any third parties. You will not receive any unsolicited offers or marketing materials as a result of the pension check. Our primary goal is to provide you with valuable insights and empower you to make informed decisions about your pension planning. If you decide to engage our services further, it will be based on your own initiative and consent.
Get In Touch With Us
Would you like to learn more about pensions, insurance, or health insurance in Germany or do you need help with that? Please feel free to send us a message and we will answer your questions as fast as possible.