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Retirement checklist
Planungab 13 J.
The key steps for your retirement provision: read your pension statement, calculate your pension gap, start an ETF savings plan, use your employer's contribution.
Retirement provision checklist (Germany):
✅ Read your pension information letter: comes by post every year. Shows your expected pension
✅ Calculate your pension gap: how much are you missing for your desired standard of living?
✅ Company pension scheme: use the employer contribution (at least 15%)
✅ Check Riester: worthwhile for families with children (€300 allowance per child)
✅ Start an ETF savings plan: 10–20% of net income, MSCI World as the basis
✅ Occupational disability insurance: protection against being unable to work in your job – the earlier, the cheaper
✅ Check regularly: review your provision status every 2–3 years
Did you know? The optimal order: 1) take your employer's contribution to the company pension (free money!), 2) ETF savings plan, 3) Rürup/Riester if appropriate. Most people do it exactly the other way round.
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