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Your pension fund statement in plain language – Clarity for your retirement pension

Understand your pension fund statement – Your financial future at a glance

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The basics

Your pension fund statement is an important document that not only provides an overview of your current retirement savings situation, but also serves as the basis for important financial decisions. This document contains information on your current retirement assets, your contributions, and the benefits to which you are entitled in old age, in case of disability, or in the event of death.

Why is it important to understand the pension fund statement?

Transparency on your financial situation

The statement shows you in detail how much capital you have already saved and how your contributions are composed.

Planning your future

Forecasts such as likely old-age pension or potential benefits in case of early retirement help you better plan your future.

Uncovering pension gaps

By analyzing the statement, you can identify potential pension gaps and take countermeasures early on.

Ensuring financial protection

Benefits in the event of disability or death provide you and your loved ones security. It is essential to understand this coverage.

What information can you gain from your statement?

Your pension fund statement provides answers to essential questions:

How large are my current retirement savings?

Which contributions did I make and which are from my employer?

Which pension and insurance benefits am I entitled to?

Is there a way to increase my pension or improve my coverage?

What impact does early retirement have on my pension?

Your advantages

Make better decisions

You are able to make well-founded decisions regarding contributions, investment options, or early retirement.

Increase your financial security

Through targeted optimization of your pension, you achieve long-term coverage.

Clear communication

You understand the language of your pension fund and can ask specific questions.

Use tax advantages

Knowing about additional contributions to your pension fund savings will help you reap tax benefits while increasing your retirement savings.

We show you where you can find what information on your statement, what it means, and where optimization is necessary or sensible.

This know-how enables you to better assess your financial situation and shape it actively.

How to proceed

1

Analysis of your statement

  • We go through every aspect with you one after the other and explain its respective meaning.

2

Identification of gaps

  • Together we determine whether there are any pension gaps and where they are.

3

Recommendations

  • You obtain specific recommendations on how to optimize your pension.

4

Implementation

  • We guide you in implementing measures such as voluntary contributions, planning early retirement, or adjusting benefits.

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smzh for you

  • Personalized advice: Our specialists take the time to address your questions and requirements.
  • Digital tools: Use our interactive calculator and checklists to assess your pension independently.
  • Expert know-how: Rely on our years-long experience in pension planning.

We handle questions such as those shown on the right on a daily basis. You don't need to deal with them by yourself – our 360° Check-Up is free of charge and non-binding.

Contact us

Our initial consultation is free of charge. The costs of further services are calculated individually.

Please take along your latest pension fund statement as well as relevant documents such as salary statements.

Yes, pensions can often be improved with voluntary contributions or optimized investment decisions.

This depends on your individual situation. We help you understand the consequences of early retirement and take the best decisions.