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Entitlements from a company pension with deferred compensation cannot lapse by law. The entitlement to the benefit from the contributions paid is secured even in the event of a change of employer, as the employee himself/herself has paid the contributions for the old-age provision. Companies that offer a direct commitment for occupational pension provision are also protected by the insolvency protection of the Pensionssicherungsverein (PSV). If a member of the PSV becomes insolvent, it will continue to pay the guaranteed occupational pensions until all contracts have been fulfilled in full.
At Horizon65 we can help you to determine if company pensions are worth it for you by using our mobile app to simulate its effect on your future taking into your existing investments and potential impact of inflation and taxation.
We regularly help our clients by comparing all the available company pension products on the market using our comparison portal or you can also directly get in touch with our experts to understand if it can be a good option for you.