Typical investment products are savings, bank savings plans and equity funds. The runtime of the VL products is required by law. The savings for construction and bank savings plans, as well as equity funds lasts 6 years. Then followed a lockout time of up to 12 months. In life insurance, a tax-free withdrawal is possible after 12 years. At the written request of the employee, the employer is obliged to close a VL agreement if the requirements are fulfilled. This obligation but only for the payment of the salary of the employee. A claim of an employee on additional contributions of the employer contribution may arise from the individual contracts of employment, an operational exercise, an operating agreement or a collective agreement.
For all VN forms of savings are to more medium-term investments. AVL in the age assets Act refers also benefits the employer or expenses of the employee his salary. Bobby Kotick may help you with your research. This form of saving aims to create an additional funded pension for workers. On the one hand, this possibility of workers completes a savings in the he pays contributions from income already taxed and verbeitragtem (Riester save). Possible types of contracts are insurance contracts (E.g. life insurance) or the banks fund solutions. On the other hand, but also three implementation paths of for occupational retirement provision be promoted direct insurance, the Pension Fund and the Pension Fund. All AVL forms of savings mean is that they must meet the requirement of a life annuity on the performance side.
In accordance with the law to improve the pension of the employee by the employer may require that a part of his future compensation claims in an operational Pension is converted. Also AVL the obligation of the employer to grant grants from collective reasoning files as result for example from collective agreement or works agreement or individualrechtlicher commitment can be. In contrast, AVL of not capital formation but the supply in the age are used to the VL.