Salary conversion: When does company pension schemes really bring in more net income?
Salary sacrifice schemes are typically advertised as generating €230 in savings from approximately €105 net. However, this calculation is only complete when health and long-term care insurance contributions are factored into the future company pension. This article outlines the limits for 2026, the statutory employer contribution, and the situations in which company pension schemes are not worthwhile.
Disability insurance: Which clauses determine the benefits?
With disability insurance, it's not the premium amount that determines whether a payment will be made in a serious situation, but rather the specific wording of individual clauses in the policy terms and conditions. In this article, I analyze the six benefit-relevant clauses in detail: the abstract reference clause, the prognosis period, retroactive benefit payments, the review clause, the pre-contractual duty of disclosure, and the reorganization clause for self-employed individuals. Furthermore, I explain the actual significance of claims statistics.
Retirement savings account: How subsidized ETF savings will work from 2027 onwards.
The retirement savings account, often referred to as Riester 2.0, is scheduled to be available from January 1, 2027, and will fundamentally restructure private retirement savings. In the future, ETF savings plans will also be subsidized, with a basic allowance of up to €540 annually and a child allowance of up to €300 per child. In this guide, I explain how the retirement savings account works, who is eligible for subsidies, how high the allowances are, how payouts and taxation are regulated, and for whom switching from an existing Riester contract makes sense.
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The income threshold for compulsory health insurance will rise to 77,400 euros in 2026.
