Why do I need the DEVK ZukunftPlus Pension Plan?
For many people, the government pension alone will not be enough in retirement???on average, it covers less than half of their previous income. A private retirement plan like the DEVK-Rente ZukunftPlus closes this gap and makes you less dependent on political and economic fluctuations affecting the government pension.
Especially if your career has been interrupted (e.g., by parental leave or periods of part-time work), you can take targeted steps to address this through private retirement savings???thereby ensuring greater financial equality in retirement.
Advantages of the
DEVK ZukunftPlus Pension Plan
You decide how much security and how much potential return you want.
Choose the ratio of guaranteed capital to fund assets yourself—anything is possible, from 100% guaranteed down to 0% (full market risk).
In addition to a traditional portfolio of safe-haven assets, you have access to a variety of fund and ETF strategies tailored to your risk tolerance and life stage.
You can get started for as little as 50?????? a month. You can increase or decrease your contributions at any time, adjust them dynamically, make unscheduled additional payments, or temporarily suspend them.
If you have a major expense coming up before you start receiving your pension (e.g., for education, buying a home, or a trip around the world), you can flexibly withdraw money from the policy. Your retirement savings plan will remain in place and can continue as usual afterward.
You alone decide when your payout phase should begin. If you wish, you can move the start of your pension payments up or back by up to 7 years —whichever fits your plans best.
When the payout date arrives, you have a choice: a lifetime monthly annuity or a one-time lump-sum payment.
ETF Savings: Why the Start Date Matters
The comparison makes it clear: The earlier you start, the greater your wealth will be in retirement. Even small monthly contributions can grow into a substantial sum over the long term.
Starting at age 20: approx. €438,000
Starting at age 30: approximately €210,000
Starting at age 40: approx. 52,000 €
Our Insurance Team in Berlin
Through ongoing professional development and a variety of educational programs, we consistently ensure a high level of advisory quality. Whether you have questions about auto insurance, home insurance, retirement planning, financing, or investments—we’re the right people to talk to.
See for yourself!
What our customers say
When should you start saving for retirement on your own?
The sooner, the better. If you start saving early, you’ll benefit from the power of compound interest—even small monthly amounts can make a big difference over the years.
You remain completely flexible and decide for yourself how much effort you want to put in to reach your desired retirement savings goal. If necessary, you can adjust your strategy at any time to reflect new life circumstances. In short: If you want to live comfortably later in life, you should set the right course today—the DEVK ZukunftPlus Pension helps you do just that.
Your Benefits with the "
" DEVK-Rente ZukunftPlus
Frequently Asked Questions
How to reach us
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