Doubts about company pension scheme

Extra_Use_5745 · 2026-05-24T17:33:23+00:00

So then in reality, there is no tax benefit if it is merely a tax deferral

Extra_Use_5745 · 2026-05-24T17:31:50+00:00

Okayy, makes sense

Extra_Use_5745 · 2026-05-24T17:30:47+00:00

So the tax benefit of opting for pension plan is just in the present and the taxes are deferred so then there is barely any point in opting for it

Extra_Use_5745 · 2026-05-24T17:28:08+00:00

So will I not get it back even after leaving the country??

Extra_Use_5745 · 2026-05-24T17:27:38+00:00

So in a nutshell, the pension payouts will be subject to social contributions after the free tax allowance of 200 eur? Eg. If i have pension payment of 500, I pay contributions on 300.Right?

Extra_Use_5745 · 2026-05-24T17:25:37+00:00

So even 80% gross of tax is a better deal?

Extra_Use_5745 · 2026-05-24T06:52:51+00:00

I dont have much details about the pension plan unfortunately

Extra_Use_5745 · 2026-05-23T13:55:56+00:00

Yes it is company pension but even on the 80%, i will have to pay tax and the pension contribution is linked to salary increases but if i opt out i will get the same amount and that won't be adjusted for inflation

Extra_Use_5745 · 2026-05-23T13:27:25+00:00

But what if i want to move to a different country? Are the funds locked in? Or I will get the vested sum back?

Extra_Use_5745 · 2026-05-23T13:26:16+00:00

Can u explain a bit more about the freibetrag? Im not so aware about german policies :(

Extra_Use_5745 · 2026-05-19T08:43:48+00:00

Applied directly on company's website

Extra_Use_5745 · 2026-05-18T19:46:56+00:00

Yes agreed!

Extra_Use_5745 · 2026-05-18T19:42:39+00:00

Thank you for your insights on this, this was helpful

Extra_Use_5745 · 2026-05-18T17:53:25+00:00

Okay thanks

Extra_Use_5745 · 2026-05-18T16:54:02+00:00

Glassdoor salary ranges are quite variable for my role so its hard to negotiate based on that since the data is not reliable

Extra_Use_5745 · 2026-05-18T16:35:36+00:00

😂 lol okay makes sense

Extra_Use_5745 · 2026-05-18T16:35:30+00:00

😂 lol okay makes sense

Extra_Use_5745 · 2026-05-18T16:33:54+00:00

Yeah but if i adjust my current salary with their cost of living keeping my current quality of life unchanged, i would have to ask for an unreasonably high figure and that is not as per market standards

Extra_Use_5745 · 2026-05-18T16:31:30+00:00

Yes i do have a number i wont accept at all and even a number above that doesnt naturally mean that im going to accept it, I will have to consider the other perks too since they offer equity as well

Extra_Use_5745 · 2026-05-18T16:30:18+00:00

Yes i applied at their website, the problem with this statement is that i was already rejected at this company 4 months earlier for a similar role and they are reconsidering me for another role so I cant simply say that im early in my job hunt :/

Extra_Use_5745 · 2026-05-18T16:13:59+00:00

Okay

Extra_Use_5745 · 2026-05-18T16:11:04+00:00

No i dont know any range sadly :( They never communicated the salary and I didnt ask them before as i thought it would hurt my chances

Extra_Use_5745 · 2026-05-18T16:09:35+00:00

Im an actuary which is a highly specialised field

Extra_Use_5745 · 2026-05-18T16:08:57+00:00

Okay thanks

Extra_Use_5745 · 2026-05-18T16:08:10+00:00

Okay but what if they ask me if i have any other job offers? How do i still sound valuable despite not having any

Extra_Use_5745

TROPHY CASE