0221 - 985 44 0 Mon-Fri 8 a.m. to 6 p.m. contact form about us Agent login Pension fund Pension fund service bAV instead of capital-forming benefits More pension with the same net Safe and flexible Attractive to young people Calculate your benefit Double provisions - with the same net Almost all employees are entitled to capital-forming benefits (VL). Often the money is invested in bank or fund savings plans or building society contracts. This has the disadvantage that you have to pay taxes and social security contributions on these amounts, which reduces your net salary. If you alternatively pay the VL benefit into a company pension scheme at the Sparkassen Pensionskasse, you can benefit from tax and social security savings compared to conventional systems and save the full amount. Our example shows: If you top up the capital-forming benefits (VL) with your own contributions, you can invest a higher amount in your company pension with the same net payment. Contact 089 - 2160 9797 We can be reached by phone Monday - Friday from 8 a.m. to 6 p.m. service@s-pension.de Sparkassen Pensionskasse AG Deisenhofener Strasse 63 81539 Munich Sample calculation Classic system of the VL Use of the VL the operational retirement provision Gross salary per month EUR 2,000 Employer's share VL + 40 EUR Ent­gelt­um­wan­dlung inkl. VL-Lei­stung 0 EUR - 73 EUR Sozialversicherungspflichtiges Brutto = 2.040 EUR = 1.967 EUR Steuern und Soli. - 217 EUR - 199 EUR Sozialabgaben - 410 EUR - 395 EUR Nettogehalt = 1.413 EUR = 1.373 EUR Überweisung der VL - 40 EUR 0 EUR Netto-Auszahlung = 1.373 EUR Vorteil: Statt 40 Euro VL fließen nun 73 Euro in den Pensionskassenvertrag - und das bei gleichem Netto! Das Beispiel wurde berechnet für einen Arbeitnehmer, Steuerklasse I, keine Kirchensteuer, gesetzl. Krankenversicherung 15,5 %. Die dargestellten Ergebnisse sind unverbindlich und können trotz sorgfältiger Ermittlung im Einzelfall von Ihren persönlichen Werten abweichen. Gehaltsrechner Berechnen Sie hier einfach und schnell Ihre Vorteile der Entgeltumwandlung. bAV-Rechner auch als App Sicherheit, Flexibilität und Rendite sind Ihnen für Ihre Altersvorsorge besonders wichtig? The PensionsRente Invest combines these important aspects for you and thus offers top protection in old age. More about PensionsRente Invest When the boss is committed - a good feeling. Do not miss the statutory entitlement to deferred compensation and benefit from state funding opportunities. More about the benefits for employees 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