Pension: Rentenpunkte and three pillars

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The German pension stands on three pillars: gesetzliche Rente (mandatory payroll contributions), company pension bAV (employer adds money — often free money, ask HR!) and private provision (ETF, Riester). One year at average salary = 1 Rentenpunkt. In 2025 one point is ≈ €39 of monthly pension — for life.

●Once a year the Renteninformation arrives — read it
●bAV: the employer must add at least 15%
●Pension entitlement starts after 5 years of contributions

👴 45 years at average pay = 45 points ≈ €1,755 gross pension. Many end up lower — which is why pillars two and three matter.

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