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Specified private property inherited and growing in euro
Specified property
Under labour market agreements, employers are required to pay 11.5% of employees' wages to a pension fund. You can choose to dispose of 3.5% of that contribution into specified private property, which, as the name suggests, is in private property and inherited upon death.
Þú getur valið að ráðstafa 3,5% af því framlagi inn á Tilgreinda séreignartryggingu Bayern Líf, sem eins og nafnið bendir til er í séreign og erfist við andlát.
Framlagið þitt er tekjuskattfrjálst en það er tekinn tekjuskattur við úttekt.
Tilgreind séreign skerðir greiðslur frá Tryggingastofnun.
Tryggur Vöxtur (Wachstum Garant) varan frá Bayern Líf er notuð til að ávaxta þitt fé á öruggan máta.
Rafræn umsókn um Tilgreinda séreignartryggingu Bayern Líf
Frjáls séreign hjá:
Almenna – Lífsverk
Frjálsa lífeyrissjóðnum
Íslenska lífeyrissjóðnum.
Viðskiptavinum Bayern Líf býðst að nýta það framlag sem fer í frjálsa séreign hjá Almenna – Verkís, Frjálsa lífeyrissjóðnum og Íslenska lífeyrissjóðnum sem Tilgreinda séreign (3,5%) og afganginn sem frjálsa séreignartryggingu Bayen Líf.
Með þessu móti geta viðskiptavinir nýtt sér t.d.greiðslur inn á íbúðarlán af því framlagi sem fer í tilgreinda séreign og höfuðstólstryggtfrjálsa framlagið sitt.
- 3.5% will be your own personal property
- 90% Secured Headrest
- Fully Inherited
- Invested in Euros
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62 years
Disbursement age
First Disbursement
3,5%
Disposed of 11,5%
Private property
12 years
Minimum contract time
The German system
Three key points in the specified private property
Capital guarantee 90% in euros
Your savings are protected against inflation and currency fluctuations - 90% of the principal is insured under German law.
- 90% protection in euros
- No depreciation of the head due to the crown
- 90% of excess profits go to customers
- Guaranteed profit share every year
Inherited credit 100%
At death, the accumulated capital balance passes unimpaired to the heirs and strengthens the financial security of the family.
- Fully inherited at death
- No Inheritance Tax on Capital
- Paid directly to law enforcement
- Ensures the stability of the family
Assessment of your criteria
Choose whether you receive the savings as a lump sum payment or regular monthly payments — even a mix of both.
- Lump sum or monthly pension
- Can take out part of the headboard
- Audit from 62 years (private property: 60 years)
- Adapted to objectives and tax status
FAQ's
What is specified private property?
Specified personal property is 3.5% of the 11.5% employer compulsory premium that you dispose of in your own personal property. The credit carries interest, is 90% guaranteed in euros and is fully inherited.
When can I start the payment?
From 62 yearsage; the disbursement depends on the rules of the co-insurance fund you pay into.
Is the specified private property hereditary?
Yes, she is 100% heritableat death.
Can the specified private property be used for the purchase of a first apartment?
Yes, the specified private property may be disposed of tax-freeto the first apartment, according to the rules of the Tax and Regulation No. 1586/2022.
What is included in 90% capital insurance in euros?
The principal is protected in euros and 90% of the excess profits flow to customers in the form of a guaranteed profit share.
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