Glossary
Pension Certificate
The Pension Certificate is the annual document issued by a Pension Fund to each insured person, setting out their current retirement savings, the benefits insured in the event of retirement, disability or death, and the potential for voluntary purchases into the fund. It is the central basis for personal pension planning.
At a glance
- The Pension Certificate states retirement savings, projected retirement pension, and disability and survivors' benefits.
- It shows the maximum purchase potential available to close pension gaps.
- Mandatory and supra-mandatory savings are generally shown separately.
Frequently asked questions
The Pension Certificate is the foundation of any pension plan: it shows how much capital you have accumulated, which pension and which risk benefits are insured, and how much you could voluntarily purchase into the fund. This allows pension gaps to be identified early and closed in a targeted way.
Part of the topic
Pension & Retirement
Sources: Bundesamt für Sozialversicherungen (BSV)
This entry is for general information purposes only and does not constitute investment, legal or tax advice. It is a simplified summary of the legal position and tax treatment.