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Step 2: Where Do My Family, My Partner and I Have Pension Gaps?
After retirement, you want to live a life that is free from financial worries. To achieve this, you should lay the foundations today.
Beware of Pension Gaps!
We talk about pension gaps if your pension solution is not sufficient to achieve your pension goals. Classic examples include:
- Children in school
- Spouse or cohabiting partner with no/low income
- Divorce
- Interruption of gainful employment
- Relocation to a domicile abroad
- Becoming self-employed
- Financing home ownership by advance withdrawal of pension fund assets
Growing Gaps in Retirement Provision
Your prospective retirement assets at the time of retirement can differ significantly from your actual financial requirements. Around 80% of your last income should be available annually in order to maintain your accustomed standard of living in old age. The following diagram shows the correlation between income and the size of pension gaps.
Would you like our experts to review your pension situation? Our pension advisors can point out any gaps in your pension coverage and advise you on how to close them. Contact us to arrange a non-binding consultation .
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