🏢Purchase of Pension Benefits (PK Buy-in)
Make voluntary contributions to your occupational pension fund to increase retirement capital and save taxes.
Not Active
This optimisation is not yet applied
How it works
The minimum saving contributions to be paid by employers and employees into pension plans are clearly defined by law. Most pension plans allow (or even ensure) for higher savings contributions to be provided.
It is important to monitor and delineate voluntary contributions into the pension plan. These are subject to a three-year retention period. There are only a few exceptions in which the capital can be withdrawn before retirement.
By applying this optimisation, you can simulate how additional contributions will affect your future pension and tax savings.
✅ Benefits
- ✓Voluntary contributions are fully tax-deductible
- ✓Increases your retirement capital in the 2nd pillar
- ✓Can result in significant one-time tax savings
- ✓Higher conversion rate than most other investments
⚠️ Things to Consider
- !Subject to a 3-year retention period (cannot withdraw as capital within 3 years)
- !Maximum buy-in amount depends on your pension fund regulations
- !Check your pension fund statement for your available buy-in potential
- !Consider spreading buy-ins over multiple years for maximum tax benefit