Here you will find relevant information to learn more about your options regarding the various provision benefits.
It’s about how you can optimally convert your salary to take advantage of tax benefits, secure subsidies, and prepare for retirement or protect your earning capacity.
Do you actually know what you're missing out on if you don't start thinking about saving for the future in time?
How can you start building optimal capital for your retirement now with low monthly expenses? And at the same time save on taxes and social contributions?
With what money will you finance your standard of living if you're no longer able to work?
These are questions you've surely asked yourself before but are still looking for the right answers to, aren't they?
Together with your employer, you can already start investing in your future, with the provision benefits:
BIRKENSTOCK-Pension, BIRKENSTOCK-Income, and BIRKENSTOCK-Capital.
Simply scroll down to find more information about the various benefits.
It provides returns and security for a worry-free retirement, supported by your employer. With BIRKENSTOCK-Pension, you convert a portion of your gross salary and build an attractive lifelong supplementary pension for your retirement.
The state pension alone is no longer sufficient to maintain your usual standard of living in retirement. BIRKENSTOCK-Pension offers you a smart way to build an additional retirement provision to complement your state pension.
Birkenstock subsidizes your BIRKENSTOCK-Pension with a fixed employer contribution of €40. Additionally, you receive another 15% employer contribution on the total amount from Birkenstock.
Since the contributions to BIRKENSTOCK-Pension are deducted directly from your gross salary, you pay less tax every month until retirement. In 2024, a monthly contribution of up to €604 is tax-free.
Because the contributions to BIRKENSTOCK-Pension are taken directly from your gross salary, you pay less in social security contributions every month until retirement. In 2024, a monthly contribution of up to €302 is exempt from social security contributions.
Birkenstock has arranged a particularly favorable group contract for you. As a result, you receive significantly higher benefits for the same contribution, whether in the form of a lifelong pension or a one-time capital payout.
You can choose from different investment options: ETFs, sustainable investments, secure and opportunity-oriented investments, decisions made independently or comfortably by experts.
This is the key advantage of the BIRKENSTOCK-Pension: the total subsidies mentioned above add up to around 70%, meaning you only pay about 30% of the monthly investment yourself. In contrast, with private savings without subsidies, you bear 100% of the cost.
BIRKENSTOCK-Income is an additional insurance offered by Birkenstock that protects you against income loss if you're no longer able to work due to health issues.
With BIRKENSTOCK-Income, you can mitigate this risk and maintain your standard of living in the event of a serious situation.
One in four employees will become unable to work at least once during their career, resulting in a sudden loss of income. The state offers, if at all, only a very small disability pension.
Birkenstock contributes €40 as a fixed employer subsidy to your BIRKENSTOCK-Income. Additionally, you receive another 15% employer contribution on the total amount.
Since the contributions to BIRKENSTOCK-Income are deducted directly from your gross salary, you pay less tax each month until retirement.
As the contributions to BIRKENSTOCK-Income are also deducted directly from your gross salary, you pay lower social security contributions every month until retirement.
Birkenstock has negotiated special conditions for you that are not available on the private market: lower premiums due to the large collective group and a premium refund at the end of the contract. When combined with BIRKENSTOCK-Pension, you also receive a discount on contributions for BIRKENSTOCK-Income.
You don't need to answer any health-related questions when applying. Everyone is insurable, a unique feature of BIRKENSTOCK-Income. In contrast, private disability insurance requires a thorough health examination, and it's common for insurers to reject applications.
These are the key advantages of BIRKENSTOCK-Income: no health examination required, and employer and state subsidies help you protect your earning capacity at a significantly lower cost.
With BIRKENSTOCK-Capital, you can enhance your retirement with a high-return lump sum payment. BIRKENSTOCK-Capital is ideal for employees who want to contribute a higher amount towards their retirement (in 2024, more than €604 per month).
The contributions to the basic BIRKENSTOCK-Pension are limited by law, meaning higher contributions are not possible. If you want to contribute more each month, BIRKENSTOCK-Capital is an ideal top-up to BIRKENSTOCK-Pension.
Unlike BIRKENSTOCK-Pension, contributions to BIRKENSTOCK-Capital are not capped and can be made in unlimited amounts.
Contributions to BIRKENSTOCK-Capital are tax-free without limits. With this state benefit, you can effectively double your net contributions.
Because contributions to BIRKENSTOCK-Capital are deducted directly from your gross salary, you pay less in social security contributions each month until the lump sum payment. In 2024, contributions of up to €302 per month are exempt from social security.
Birkenstock has secured a particularly favorable group contract for you. This means you receive significantly higher benefits for the same contribution in the form of a one-time capital payment.
For building your top-tier BIRKENSTOCK-Capital provision, you can choose between secure or growth-oriented investment models based on your preferences. Investment decisions can be made independently or with expert guidance. ETFs and sustainable investments are also available.
Key Advantage of BIRKENSTOCK-Capital: For higher incomes, the gap in maintaining your standard of living during retirement is particularly large, as the state pension is capped. With BIRKENSTOCK-Capital, you can close or reduce this gap with a high-return lump sum payment.
Then go ahead and schedule a personal consultation with us.
Our experts are happy to advise you on how you can participate in the BIRKENSTOCK-Provision-Benefits and help you choose the benefits that are best tailored to your personal situation.
Simply click on one of the links below and easily book an online appointment with one of our experts.
