Archimedes-Consult GmbH is an independent consulting company in the field of asset investments and company pension schemes. The managing director, Klaus Weidlich, is certified as a financial services specialist (IHK) and foundation manager (DAS).

For ​​employees, this can only be implemented with an insurance company. Since there are almost no tariffs in the area of ​​“100% funds on a sustainable basis“, the managing director of Archimedes-Consult GmbH suggested VOLKSWOHL BUND. Legally, the implementation is carried out through direct insurance. The employer becomes the policyholder and contributor.

The employee becomes the insured person and receives an irrevocable right of subscription. The employer’s contribution are immediately vested in the employee’s entitlement. The contributions in 2024 are tax and social security-free up to 302 € and tax-free up to 604 €.

The VOLKSWOHL BUND is a mutual insurance association. This means that the VOLKSWOHL BUND does not distribute profits to the owners, but rather to the insured persons. The VOLKSWOHL BUND does not have its own sales department, but relies on the cooperation of independent partners.

There are currently no securities available that comply with ESG Article 9. As the EU tightens regulations in this sustainable segment every year, it would have to be actively managed every year. This does not fit the nature of an ETF or index fund. In a few years, this market should have stabilized and calmed down. If corresponding offers are available in the fund segment in the future, these can be taken into account in strategic adjustments.

First, your contributions are deducted from the top of your gross salary. In retirement, contributions are usually taxed at a lower rate. The difference is around 15% to your advantage.Würden Sie privat in Fonds investieren, würden die Erträge der Abgeltungsteuer unterliegen. This is currently 25%. With the company solution, you save this tax as well.

You also save on contributions to statutory health insurance, unless you have private health insurance. In return, you pay to pay a portion of your pension towards health insurance. In addition, fewer contributions are made to statutory pension insurance and unemployment insurance. This small disadvantage is more than compensated for by the employer’s contribution.

You can decide this towards the end of the contract term. If you opt for a monthly pension, this will be significantly increased in the case of care.

Of course, the German tax office always taxes. However, the tax savings are significantly higher than the taxation.

Sind bei Planbeginn mindestens 10 Arbeitnehmer mit einem solchen Vorhaben vorhanden, vereinfacht sich die Frage der Gesundheitsabfrage erheblich. Otherwise, a review process is necessary. Up to €2,000 in pensions per month can be insured.

The advantage of this solution is that the necessary contributions are deducted before your salary is taxed. This is an additional option within the framework of company pension provision.

When you leave eRC-System GmbH, please contact us, Archimedes-Consult GmbH. Either the new employer will take over your contract or it will be ported to another provider. The employer’s support will then be determined by the new employer. It may be advisable to adjust the contributions. We will support you.

You leave your contract dormant until you start receiving your pension. Until then, your assets will continue to grow. Then you decide whether you want to receive a lump sum or a monthly pension from Germany.

In this case, your spouse/partner inherits your entitlements. It may be necessary to name this person to VOLKSWOHL BUND. Children may also have entitlements if they are still entitled to child benefit.

In this case, you can have your contributions made contribution-free or continue to save for the contract privately with a different monthly contribution. The paid by the employer up to that point benefits and other advantages are yours.