Start your pension plan with CLARK
Secure your future with private retirement planning – simple & smart
- Top deals from 180+ insurers
- Free expert advice
- More than 700,000 CLARK customers
- Non-binding and transparent
180+ insurance providers
Smart Retirement Planning for you
- Free consultation with CLARK experts
- Find the perfect private pension plan together
- Get a tailored offer & start saving
- Close the pension gap & enjoy your retirement
Why consider a Private Pension in Germany?
Planning for retirement is crucial, especially for expatriates navigating the German financial landscape. Germany’s public pension covers less than 50% of your last net salary – taxes, inflation, and fewer contributors widen the gap. With fewer workers and more retirees, the public pension is under pressure. By 2050, 33% of the population will be 60+, making private pensions essential.
Understanding the importance of private pension schemes can ensure a comfortable and secure future.
Key Features of Private Pension Plans?
Private pension plans offer the advantage of portability, allowing you to receive your pension benefits regardless of where you choose to retire. Tailor your pension plan to suit your career trajectory and personal circumstances, with the flexibility to modify contributions or investment strategies.
Flexible Contributions
- Adjust, pause, or restart payments anytime to fit your needs
- Set your contributions based on your budget and goals
- Choose between a lump sum or monthly payouts in retirement
Smart Investment Options
- Choose from low-risk to high-yield portfolios
- Align investments with your financial goals
- Take advantage of compound interest for long-term gains
Tax Benefits
- Reduce taxable income with pension contributions
- Grow your savings with tax-advantaged plans
- Maximize retirement funds through smart tax planning
ETF boost & tax benefits
A private pension is the most flexible way to plan for retirement. You choose when to start receiving payouts (from age 62), where to invest (even 100% in ETFs if you like), and whether you prefer a steady monthly income or a lump sum. Need access to your savings earlier? No problem. Plus, unlike regular ETFs, private pensions come with tax advantages – lower rates and protection from future tax increases, helping you make the most of your retirement funds.
Understanding the Pension Gap
The disparity between the public pension and actual living expenses in retirement is widening. Without supplementary private pensions, maintaining your current lifestyle may become challenging. CLARK is here to help!
You can retire anywhere
You can move back home, go to a new country or stay in Germany – no matter where you live, you will receive your pension when you retire. Your CLARK service is always available on your smartphone in the app and comes with you.
Curated selection of 180+ plans from top insurers
Our algorithm compares thousands of tariffs from over 180 providers. So you’ll find exactly the pension option that suits you best. Increase, reduce, pause or resume payments whenever you want. Choose between a one-off lump sum or monthly payments. It’s your future – you decide.
Get support & manage your contracts via CLARK
When you take out an insurance policy and start your pension plan, we are always available to you as a contact person and will take care of all matters relating to your contract as required – via chat and in person. Our team will be happy to take time for your concerns.
Next Steps
- Talk to CLARK experts – Chat in the app or leave your details for free, no-obligation advice.
- Get a personalized offer – Receive a pension plan tailored to your needs.
- Apply digitally – Choose your insurer and sign everything online – quick and easy!
Community-Check
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Got questions – We’ve got the answers!
What if I move to another country?
Planning to move abroad? No worries – your pension moves with you. Continue paying in or start receiving payouts, no matter where you are.
How much will my pension gap be?
Public pensions will cover less than 50% of your last net salary – only for those who’ve paid into the system for 45 years. With taxes and inflation on top, this gap means you’ll struggle to maintain your lifestyle in retirement, especially if you start saving later.
How is my private pension invested?
You decide based on the plan you choose. With Rürup or private pension insurance, you can invest in options like shares, similar to an ETF savings plan. Key decisions include:
- How much do I want to contribute each month or receive later?
- How can I take advantage of tax benefits or state subsidies?
- Do I prefer higher risk for better returns, or a guaranteed payout?
Together, we’ll create a personalized retirement plan.
Why decide for private pension over investing directly in ETFs?
The government supports long-term investments with attractive tax benefits. If you invest directly in ETFs, your profits are taxed at 25% (as of 2023). However, with private pension insurance, only half of the profits are taxable, allowing you to keep more of your money.
When can I start receiving payouts, and can I retire earlier?
Some private pension plans offer more flexibility and allow you to retire earlier. Retirement can start at the age of 62, but with a private pension insurance policy you can join the plan after just 12 years.
Keep in mind, retiring early will reduce your statutory pension each month. To make up for this, consider contributing more to your private pension now.
You have full control over how you receive payouts – whether as a lump sum, monthly payments, or a mix of both. Our experts are here to help you choose the best option for your situation.
Secure Your Future Now!
Not sure where in the world you’ll retire? Our English-speaking CLARK experts will guide you independently and free of charge. We compare thousands of tariffs from 180+ insurance providers. You will receive a tailor-made offer based on your financial situation, needs, and expectations.
*Auszeichnung “Von Nutzern empfohlen”
CLARK wurde im Rahmen einer unabhängigen Online-Befragung von ServiceValue in Kooperation mit FOCUS-MONEY mehrfach ausgezeichnet – u. a. in den Kategorien “Apps – Von Nutzern empfohlen”(2024) und “Digitale Versicherungsexperten”(2024). Weitere Informationen und die vollständigen Studien findest du hier: Apps – Von Nutzern empfohlen (PDF), Digitale Versicherungsexperten (PDF)
*Bis zu 40 % Steuervorteil sichern: Bei einem Jahreseinkommen von 75.000 € und mtl. Einzahlung von 300 € bekommt ein:e 35-Jährige:r pro Monat 119 € von der Steuer zurück. Am Ende eines Steuerjahres sind das 1.428 € oder knapp 40 % Steuervorteil auf die eingezahlten Beiträge. Dies ist eine Beispielrechnung der Allianz für eine private Rürup-Rente mit staatlicher Förderung ohne Garantie mit einem fondsgebundenen Rentenbezug.
*Bis zu 29.344 € steuerlich absetzbar. Seit 2023 sind sogar 100 % deiner jährlichen Rürup-Beiträge absetzbar. Ab 2025 liegt der Höchstbetrag bei 29.344 €. Verheiratete können bis zu 58.688 € ihrer Beiträge in der Steuererklärung angeben. Über den Höchstbetrag von 29.344 € hinaus erhältst du allerdings keine steuerlichen Vorteile.