Opportunities for a reduction in contributions or a return to statutory health insurance

– What the tariff change broker never reveals and rarely knows – A recent study by a lobby organisation proposes to make statutory health insurance (GKV) more attractive for lower earning self-employed persons, as reported by a newspaper from Southern Germany. For self-employed persons there would be a minimum contribution of 342 euros per month. […]

Can the “New Social Partner Model Company Pension” prevent increasing old-age poverty?

– Which disadvantages even the new occupational pension scheme (bAV) does not eliminate –   Both the Federal Ministry of Labour and Social Affairs (BAMS) and the Federal Ministry of Finance (BMF) are currently interested in improving occupational pension schemes (bAV). On the one hand, there is the concept of a “new” implementation route via […]

Save taxes with Rürup pension?

The Rürup pension was sold as a tax-saving model in which savings made by paying insurance premiums during the savings phase are naturally pre-calculated by the agent. However, if documentation has been prepared at all, it often lacks the disadvantages of tax burdens in old age. The misadvice will already be that in old age […]

Tax-optimised compensation of pension commitments through a well thought-out spin-off from the GmbH

The pension promise as a tax trap?   The advantages of a pension commitment are sufficiently known to every tax consultant and GmbH controlling shareholder-managing director. Tax advisors have also recommended this pension plan to their clients in order to reduce taxes and increase liquidity in the company.   However, experts estimate that over 90% […]

Managing directors and senior executives give away the insolvency protection of their pension scheme

If managing directors and senior executives have been promised their company pension scheme(bAV) as a pension commitment or direct commitment, in the vast majority of cases the existing reinsurance assets are not sufficient to fully finance the retirement benefits. Insofar as reinsurance – e.g. as life insurance or investment funds – are available, employers think […]