The increasing life expectancy is another factor that reinforces the importance of an additional pension. With increasing age of the population, the average pension reference period is also extended. In 2020 this was already 21.51 yearswith women on average due to their higher life expectancy 23.18 years Remove pension – almost 3.5 years longer than men.
This development means that pensioners must be financially secure over a longer period of time, which further increases the pressure on the statutory pension. In this context, different forms of the Additional pensionas the Company pension scheme,, Private pension insurance or the Riester pensionin importance. They offer the possibility to complement the pension specifically and to secure themselves for a longer lifetime in retirement.
It is important that individual needs and financial possibilities To take into account to choose the correct form of the additional pension. This can be done either as a one -time capital payment or as a regular pension payment and contributes decisively to financial security in old age. Through early planning And employees can actively contribute to securing their desired standard of living in retirement and avoiding financial bottlenecks.