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5. June 2025SmartInvest Junior: The Smart Financial Solution for Your Child’s Future
26. February 2025DBplus
5. June 2025 DEVK Pension Fund DB
Customized Retirement Planning for
Employees of Deutsche Bahn
- Guaranteed Supplementary Pension
- Tax-Incentivized
- Co-payment by the employer
Your Edge in Retirement—
Do you work for Deutsche Bahn? Then you shoulder responsibility every day—not just for technology and people. Above all, ensuring that operations run smoothly is your passion. To make sure you’re on the safe side even in retirement, there’s the DEVK Pension Fund DB.
Deutsche Bahn is more than just a job. It’s a system that works only through the combined efforts of many strong individuals. And just as you take on responsibility, we take responsibility for your future. The DEVK Pension Fund DB isn’t just any product—it’s a promise among colleagues.
You can find out how much your individual benefit is during a no-obligation consultation.
An Overview of the Benefits of the DEVK "
Our Team for Railroad Employees
For us, personalized advice on an equal footing is more than just a promise—it’s part of our DNA. Our advisors not only know how employer-sponsored retirement plans work, but—more importantly—what they mean for you as a railway employee. They understand your day-to-day work and speak your language. We think that’s important! After all, who else understands you just as well? That’s right! No one!
Whether you have questions about payment options, tax benefits, or how to best structure your supplemental pension—we’ll take the time to help you. We’re reliable, knowledgeable, and approachable.
As a railway insurer—an agency within the DEVK network—we advise railway employees on suitable solutions related to DBplus and other forms of retirement planning. Our specialization allows us to offer attractive special rates for Deutsche Bahn employees.
DEVK is the employee benefits organization of Deutsche Bahn; we represent DEVK as a DBplus partner. Our DBplus-certified advisors, as part of the DEVK network, are thoroughly familiar with the specific needs and opportunities for railway employees.
What the DEVK Pension Fund DB
The DEVK Pension Fund is an integral part of the occupational retirement plan for Deutsche Bahn employees. Through the 30+20+3 model, Deutsche Bahn offers its employees a particularly attractive participation program in which employer contributions, employee discounts, and stable guaranteed benefits enable a high-yield and secure investment. We’d be happy to discuss whether additional contributions are possible during a consultation.
This is how you build up a reliable supplemental pension step by step. You benefit from a guaranteed benefit and the opportunity to earn additional returns through mutual fund investments.
A Higher Pension with the Pension Fund (30 + 20 + 3)
With the DEVK Pension Fund, you can plan wisely for retirement:
A total of 53 € goes into your retirement savings each month— for most people, the net cost is 16–18 €.
Here's how it works:
You convert 30 € of your gross salary.
Instead of a separate savings account for your capital-forming benefits (usually €13.29), the amount goes directly into the pension fund and is matched by your employer up to €20 per month.
In addition, the employer adds a 3 € bonus on top of that.
Employees, apprentices, and managers are generally eligible for this solution.
Here at DEVK, we’re part of the railroad family. Our roots go back to railroad workers who, as early as 1886, wanted to provide mutual protection for one another. This spirit of cooperation continues to define us to this day. We speak your language, understand the day-to-day realities of working on the railroad, and offer solutions that are tailored just for you.
Here's what the pension fund does for you
Payment
DB Pension Fund
Flexibility is important to many railroad employees in their professional lives. Of course, it remains important as they transition into retirement. The DEVK Pension Fund DB offers you various options for how you can use your retirement savings.
Perhaps you'd like to secure a monthly pension, or maybe you prefer more flexibility with a payment plan. You might also want to use a portion of your capital all at once. Either way, you decide what works best for your life.
We'd be happy to discuss what your DEVK Pension Fund DB payout might look like in person. You're also welcome to contact us by phone via our hotline.
The Various Withdrawal Options
We would like to briefly and clearly outline the various options for the DEVK Pension Fund DB payout.
More information on the
The DEVK Pension Fund DB not only offers you flexible payout options but also provides attractive additional benefits. These include survivor benefits in the event of death, a disability pension in the event of a permanent reduction in your ability to work, and financial protection in the event of unemployment or a prolonged illness. When it comes to topics such as survivor benefits, transparency, or tax advantages, having well-founded information is crucial.
Below, you'll find an overview of the most important points.
Questions? We're happy to help you at
You and your future are important to us. That’s why we’d be happy to explain all your options to you in a one-on-one conversation—whether by phone or during a video consultation. Our motto: Transparent and straight to the point! With us, you’ll get the most out of your DEVK Pension Fund DB.
Frequently Asked Questions About the DEVK Pension Fund DB
Our customers often ask us questions about the DEVK Pension Fund DB. Maybe you have the exact same questions and will find the answers in our overview. But if your specific question isn't listed there, feel free to contact us at any time. We're happy to take the time to help you.
Advice and Support
We know the rail industry inside and out. Many of us have worked in it ourselves or have close ties to it. That’s why we offer advice on an equal footing—clearly, understandably, and with your specific situation in mind. Together, we’ll find the right solution.
What our customers say
Additional Offers for Railroad Employees
DBplus - Supplemental Pension for Railroad Employees
How does DBplus work? Find out what benefits this plan offers, how you can save on contributions, and how you can further boost your retirement income.
Retirement Planning at Deutsche Bahn (
)
What options does the railroad offer? An overview of services, additional offerings, and tips for your retirement planning.
Company Pension for Employees of the "
" Railway
How does the company pension plan work? Find out what benefits you’re entitled to and what advantages the supplemental pension plan offers you.