Can I emigrate with an EM pension?

Yes with an EM pension, you can, but the amount of your pension may be reduced. It is possible to emigrate to other EU countries without reductions. In EEA countries (Liechtenstein, Iceland or Norway) or agreement countries, such as Switzerland, Israel, Morocco or Tunisia, pension payments can also be continued in the case of full reduction in earning capacity. In other countries there may be pension reductions. If this is the case, please contact your German pension insurance institution as soon as possible.

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.


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