Pension fund Pension fund service Pension fund for employees Save taxes and social security contributions Flexible contribution payment Lump-sum payment or lifelong annuity Get advice now! Benefit from state subsidies for company pension schemes. Do not miss your statutory entitlement to deferred compensation and take advantage of the state funding with the Sparkassen pension fund. You can currently pay up to eight percent of the general income threshold (West) into your pension fund contract tax-free. That's 568 euros a month. Four percent of the income threshold for pension insurance remains exempt from social insurance. So currently 284 euros per month. Durch den "Brutto-Netto-Effekt" bei einer Entgeltumwandlung können Sie monatlich beispielsweise 100 Euro in die Sparkassen Pensionskasse einzahlen und zahlen dafür selbst nur etwa die Hälfte. Zum Rentenbeginn erhalten Sie dann eine lebenslange Rente oder alternativ das Kapital. Wenn eine Altersversorgung aus steuerfreien Beiträgen aufgebaut wird, muss sie bei der Auszahlung versteuert werden. Der Gesetzgeber nennt dies nachgelagerte Besteuerung. Da der Steuersatz im Alter in der Regel niedriger ist als im Arbeitsleben, profitieren Sie hiervon. In den genannten Grenzen sind die Beiträge zur Pensionskasse auch sozialabgabenfrei. In der Auszahlphase müssen Mitglieder gesetzlicher Krankenkassen für die Leistungen aus der betrieblichen Altersversorgung Beiträge zur Krankenversicherung der Rentner sowie zur Pflegeversicherung zahlen. Kontakt 089 - 2160 9797 Wir sind Montag - Freitag von 8-18 Uhr für Sie telefonisch erreichbar. service@s-pension.de Sparkassen Pensionskasse AG Deisenhofener Straße 63 81539 München Beispielrechnung zur Entgeltumwandlung Beispielrechnung zur Entgeltumwandlung mit 100 Euro Umwandlungsbetrag bei einem monatlichen Bruttogehalt von 2.500 Euro. Re­gu­lä­re Ge­halts­ab­rech­nung Ge­halts­ab­rech­nung mit Ent­gelt­um­wan­dlung Brut­to­ge­halt 2.500 EUR Ent­gelt­um­wan­dlung zur Spar­kas­sen Pen­sions­kas­se 0 EUR - 100 EUR Gross salary after deferred compensation EUR 2,500 EUR 2,400 steer - EUR 337 - EUR 310 Social security contributions - EUR 502 - EUR 482 Net salary 1,661 EUR 1,608 EUR Actual net pension expense 0 EUR 53 EUR ADVANTAGE: With only 53 euros of your own net savings, 100 euros will be credited to you in the Sparkassen pension fund. The example was calculated for employees, tax class I, subject to church tax, statutory Health insurance 15.5%. The results presented are non-binding and may differ from your personal values in spite of careful determination. Use our company pension calculator to calculate how remuneration conversion will pay off for you personally and what benefits you can expect: bAV calculator also available as an app Frequent questions and answers Do you have general questions for us .. .. or specific questions about the annual communication? You will find it here! To the FAQ Make clever use of wealth-creating benefits! Pay your capital-building benefits into the Sparkassen pension fund and achieve a higher savings contribution with the same net salary. More about capital formation benefits What is special about the PensionsRente Invest? This product variant combines security, returns and flexibility. We invest part of your contributions securely, while the other part is invested in Deka investment funds. This is how you can take advantage of the opportunities offered by the stock markets. More about PensionsRente Invest Do you have any questions about the pension fund or your pension information? Here you find the answers: Pension fund Benefits for employees Benefits for employers capital accumulation benefits service Send Message Arrange a consultation Apply for benefits Home page Contact Sitemap data protection imprint Cookie settings © 2021 S-PensionsManagement Your cookie settings on our website By clicking on the "I agree" button, you consent to your personal data being transmitted to third-party providers using cookies for statistical and marketing purposes (including Google Analytics) and for the use of social media. In this context, by clicking on the "I agree" button, you also consent to your personal data being processed in third countries outside the EU and the EEA, even if these third countries do not have a sufficient level of data protection according to EU standards. In particular, there is a risk that your data may be processed by foreign authorities for control and / or monitoring purposes, possibly even without the possibility of legal remedies.Link . You can adjust the cookie settings by clicking on "More information" and thus determine which cookies you would like to allow. You can revoke your consent at any time with effect for the future. I agree Reject More information imprint | data protection