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Company Pension Plans: Why they don't make sense in Germany

In Germany, most employees are offered a direct pension plan (‘Direktversicherung’ in German) known as a company pension ('Betriebliche Altersvorsorge' or short 'bAV') by their employer. It sounds attractive: enrolling in a savings plan subsidized by both the government and your employer, and it may well feel like the responsible thing to do. In reality, it is one of the biggest financial mistakes to be made. Read the article on Company Pensions: https://pensionfriend.de/en/company-p... See your pension options & Calculate your Pension gap: https://bit.ly/pensionfriend ________ Timestamps: 0:00 - Introduction to Company Pension Plans in Germany 0:30 - What makes the direct company pension plan so unattractive? 1:42 - Upfront costs of direct company pension plans 2:20 - Limits to the possible cancellation of your company pension plan ________ Hi, we’re Pensionfriend! Our mission is to help people build a safe and sound financial future We help people make the best of Germany's Pension System by making the impact of pension and other investment choices as concrete and tangible as possible.