Closing the pension gap - with the help of your employer and a Company Pension (bAV)

Rendite und Sicherheit für einen sorgenfreien Ruhestand, es war nie einfacher – dank Pension Cloud.

Digital contract management, consulting
and communication from a single source.

Das Rentensystem ist in Schieflage

The contributions paid into the statutory pension system fund over many years are often not even fully paid back during retirement.

Die Rentenlücke wird immer gravierender.

There are too few contributors and too many pensioners.
Unfortunately, there is no improvement in sight.

Pension amount as a percentage of gross salary

Altersarmut ist leider real

Already today, more than 15 percent of pensioners live in old-age poverty.
Almost one in five pensioners in Germany is at risk of this.

The rising numbers are alarming,
the implications for pensioners just too terrible. 

Die betriebliche Altersvorsorge bietet Rendite für deinen Ruhestand

Und doch war es nie einfacher, für den Ruhestand vorzusorgen.

Arbeitgeber sind nicht nur verpflichtet, eine bAV anzubieten. Seit 2018 müssen sie die Beiträge von Arbeitnehmenden sogar mit mindestens 15 Prozent bezuschussen.

Nicht ohne Grund ist die betriebliche Altersvorsorge eine der beliebtesten Vorsorgearten.

So geht betriebliche Altersvorsorge
- attraktiv und digital

Attractive employer subsidy

Your employer subsidizes your personal pension plan with at least 15 percent on top of your own contribution - guaranteed. Many employers even go beyond the legal minimum subsidy!

Save taxes and contributions to social security

Da die Beiträge zur bAV direkt von deinem Bruttolohn abgezogen werden, zahlst du am Ende weniger monatliche Abgaben. So sparst gleich doppelt – und auch dein Arbeitgeber hat am Ende weniger Abgaben.

Guaranteed pension

Egal was passiert, eine bAV ist im Alter für dich da. With a bAV, you receive direct payments from the contributions you have saved over the course of your life and the returns you have earned - unlike a statutory pension.

Deine Chance auf überdurchschnittliche Rendite

Hardly any pension plan pays off more than a bAV. Employer subsidies and tax savings offer you added value on your savings contribution right from the start. The saved amount also generates an additional return.

We are the service provider for digital bAV
- for you and your employer.

Already more than 120 companies
und ihre Mitarbeitenden vertrauen auf unsere digitale bAV Lösung.

Digital and personal

Our bAV specialists are
always there for you personally
when you need them.

Always accessible

With our digital portal, all important data and contracts are always available.

Transparent and clearly arranged

All information is just
one click away, presented
in an easy to understand way.

Easy and uncomplicated

We take the hassle out of the pension for you and your employer: our concept is super easy to integrate and to use.

100% independent

We work only for you and your well-deserved retirement - and not for the financial interests of an insurer.

Maximum Security

Your data is safe and well-protected,
thanks to our state-of-the-art IT security concept.

You don't have a bAV from your employer yet?

Please share a contact person in your company's HR department and we will get in touch to discuss the possibilities of bAV at your company.

Your employer is already working with us?

Here you can easily register with the login data that your employer has sent you by mail or post.

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Please share a contact person in your company's HR department and we will get in touch to discuss the possibilities of bAV at your company.