How Will You Close Your Retirement Gap?
Compare the five pillars of German retirement provision — GRV, Riester, Rürup, bAV and ETF — and find the optimal mix for your retirement.
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- Pension Gap
- €900
- Total Monthly Pension
- €3,671
- Remaining Gap after Provision
- €0
- Total Contribution/month
- €475
- Annual Tax Saving
- €1,410
- Saving Period
- 32 years
Gap fully closed
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Pillar Comparison
| Provision Type | Contribution/month | Capital at Retirement | Monthly Pension | Tax Saving/year |
|---|---|---|---|---|
| Statutory Pension (GRV) | €0 | €0 | €1,500 | €0 |
| Riester Pension | €175 | €158,128 | €800 | €805 |
| Rürup (Basisrente) | €0 | €0 | €0 | €0 |
| Company Pension (bAV) | €100 | €90,359 | €457 | €605 |
| ETF Savings Plan | €200 | €180,717 | €914 | €0 |
Optimal Mix
Recommended order by tax leverage: bAV (tax + social-security savings) → Riester (subsidies) → Rürup (special expenses) → ETF (flexible).
| Product | Share of Gap | Current Contribution |
|---|---|---|
| Company Pension (bAV) | 50.79% | €100 |
| Riester Pension | 49.21% | €175 |
| Rürup (Basisrente) | 0% | €0 |
| ETF Savings Plan | 0% | €200 |
Note: Calculation uses BBG-RV West (€96,600 in 2026), 30 % marginal tax rate, 20-year annuity at 2 % p.a. payout. Tax advantages simplified: Riester (special expenses + €175 base subsidy), Rürup (fully deductible), bAV (8 % BBG-RV tax-free, 4 % SV-free). Actual values depend on personal tax burden and contract terms.
Background
German Retirement Provision 2026: GRV, Riester, Rürup, bAV and ETF Compared
14 Min.