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  1. Probably because my German is very limited, I've done quite some research with conflicting results on this topic...   I discovered that my company would make a small monthly contribution if I open a company Pensionskasse account even if I don't contribute anything. So obviously I joined our Pensionskasse coz there's nothing to lose. Now I found out that my own contribution to Pensionskasse can be tax exempt to a certain amount, so I want to benefit from this policy. Problem: I can't find the max amount I can declare to be exempted... All the numbers I found in English are different. I assume it's because the number changes every year? Can anyone please tell me what this upper limit is for 2019/2020 and where to find it in German?   While doing this research, I found some claim that contributions to health insurance are 100% tax-deductible. But I thought you can only have one health insurance either private or public? Does this mean that I can have my statutory health and care insurances with Barme or TK for instance and then still have a supplementary one on top of that?   I'm member of a sociopolitical Verein and the president told me that my Mitgliedsbeitrag is tax-deductible. I also donate to causes dear to my heart and they all gave me invoices saying these donations could be declared for tax deduction. If I understood correctly, the upper limit for this type of deduction is 20% of my income. Question: is there a total tax deduction limit in Germany? Like, say, Pensionskasse and health/care insurance contribution-induced deduction plus donation-induced deduction plus ... plus ... cannot exceed a certain number or percentage of my income?   Thanks a lot :-)
  2. Though the topic is initially about pension, I think the aspect of digital signature to access govenment services is part of a wider discussion. I'm reporting here on what I just found out for pensions, which actually left me gobsmacked!   We've probably all heard about the e-initative to access German government services digitally.   Anyway, I just called the Rentenversicherung as I couldn't make head nor tail of their website on the different ways to access your pension records online.   I was under no illusions that soft and hardware would be involved.   But what I wasn't expecting, was that in order to use the eID function you have to PAY for the card readers to use on your computer to access government information about you. I was expecting it'd be govenment-provided, but nope.   The 2 options are:   1) E-id with GERMAN ONLY ID card *with* e-function specifically activated by a Beamter AND a card reader you have to order, pay for, replace if broken. (eu26 nationals in Germany therefore can't use this method, since they won't need or get issued an e-Aufenthaltstitel as the only other compatible ID card)   2) E-id with BOTH. i) digital signature card (NOT a Krankenkasse card. NOT a bank card. It's a specially printed and pressed card). You have to order, pay for and replace the card. ii) a card reader that you have to order, pay for, and replace if faulty.   They're really sly and don't mention about the costs in any of their literature. It wouldn't surprise me if you're talking about needing to fork out a few hundred Euros JUST to be able to digitally access information the government holds about you / access govt services.   I already pay my pension contributions and various taxes. I would have thought that the costs of implementing e-id are part offset by the cost-savings of going paperless + automation + labour cost savings, with any remainder cost being born by taxpayer/contributor. But nope...
  3. I am a British/German dual national living in Germany and I became eligible for a UK State Pension in July of this year. I received a letter from the DWP today which states that If you live in a EEA country you will continue to receive annual increases for 3 years up to and including 2022-23 even in the event of no deal. They go on to say that the government plans to negotiate an agreement to ensure the increases continue longer term.   So, to my questions: 1) Why does the UK need to negotiate this? Surely they can decide to pay the increases without involving any other country in the decision.   2) What are the chances of the UK coming to an agreement with either the EU or, in the case of no-deal, with Germany, for the UK State Pension annual increases to continue longer term?   Thanks in advance for any answers.
  4. Planning for retirement

    Hi,   I have moved to Germany a couple of years ago and haven't had a great deal of thought about retirement in Germany. As a freelancer, I am not paying into the German system so, as someone who's turning now 38 I should probably think about what I will do in 30 yrs time. What are my options? I have been accumulating my savings (about 30% of my income) into the stock market,, and a no-interest savings account. I have heard about privat rentenvorsorge (or privat rentenversicherung). Are these worth a look or should I just put the money into some sort of long term investment options instead?   Kind regards, Paulo
  5. Moving back to uk - Pension Question

    Hello everyone,   I have worked and lived in Berlin for about 9 years and am intending to move back to Britain in the next few months. My question is this: how does the affect my pension contributions that I have paid while in Germany this time?   Do I lose them? Do I cash out? What happens when i abmelden? 
  6. Freelancer pension and citizenship

    I've read a few articles on these forums but I still don't have an answer. I also realise all the rules might be changing in 2019 and that worries me even more.   I'm a non-german married to a German and moved here on a marriage Visa. I worked as a freelancer for the first year (2017) and chose not to pay into a pension. I am now employed and also freelancing so my employer is paying into the state pension for me. My question is 2 fold.   1. I intend to apply for citizenship towards the end of year 3 (as I'm married to a German and have completed all other requirements this should be fine). Obviously I only have about 8 months of payments in state pension from my current employer. As I was a freelancer before, are they going to make me retroactively pay into the pension to make sure I have a full 3yrs of payments?   2. I'm also intending on going back into full time freelance in the next few months. Am I now required to continue paying into the state pension? How will this affect my eligibility for citizenship? I don't mind either way, it will just affect my budgeting.    Any advice would be welcome. Even the details of an advisor.   Thanks!   Nick
  7. Dear all,    As a self employed person if you did not have any savings or cash flow for some time (about one year) and you could not or did not pay into the pension account.  Can you do so after couple of years? Is that possible?    If yes, what is the process. Apperciate your guidance here.  Thanks! Kay