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read correctly Bfa your information?

Since 2001 is every worker an annual information on the status of his pension account Rentenvesicherung sent to the German (formerly BfA Bundesversicherunsganstallt for employees or LVA - Landesversicherungsanstallt). This was the time by the then Labour Minister Walter Riester festgschrieben law.

The purpose of this information is the one, the citizen an overview of the recent its income data entered to gain (so-called accounts clarification). If you, dear reader, dear reader, while a defective item or even entire period of employment are missing, so I recommend you try immediately to clarify it. Imagine, you would need in 20 to 30 years to bring about evidence, perhaps even at one of your former company, which does not exist for a long time!

course you can apply at any time even a pension information . It is enough to have your policy number handy.

would like in this text However, I draw your attention to the interpretation of the published figures to draw. Many lean namely at the sight of your bonds left behind ... But see for yourself ..

Figure 1: Extract of a real pension information

Although our information comes from 2007, but have lost nothing of their meaning.


Our insured is 49 years old and earns 1430, - € net per month. She has always based their entire working roughly the median income.



The German Pension Fund predicts her a monthly pension of € 899.88 with his 66th Of age.


points in the text itself to him, two other forecasts ....





1080, - € for 1.0% annual rate of adjustment and 1310 - € 2.0% annual rate of adjustment


tell us what these numbers really ?


The secret is once again at the time of viewing. Our worker might have to look with optimism to their third age, the numbers in almost promise but their current Net income. Only they receive their net course TODAY, pension, but only in 30 years, which is TOMORROW ... And in between lies again ... the effect of inflation.



we go again by an average inflation rate of 2% per year, so it looks to our insured as follows:

2: Bfa quick check



This creates for our insured under the assumptions optimistischten still a shortfall of around 600, - € per month. Now was the amount of the pension adjustment in the average of the last 10 years, not at 1 or 2%, but with only 0.87% . Had the federal government this year is not fixed by law that pensions should never be reduced, it would have actually in the years 2010 and 2011 due to the net wage to decline in Germany. At best, the German pensioners in the years expect a pay freeze.

Now we face only once, our sample woman lives for rent .... Today, she pays for their small apartment 400, - € per month, in 20 years, this would be about 600, - € .... Now distribute the rest of your pension on the areas of "extra costs", "Eating, drinking, clothing," "Arts ",.....