Compares occupational pension (bAV), the upcoming Altersvorsorgedepot, and a private ETF depending on your situation.
Made with Claude. Available in German, English, Latin, and Japanese among others.
It isn’t legal or financial advice, I haven’t verified its accuracy meticulously, and it probably doesn’t catch all cases and possible inputs. But it’s very likely better than I could do by hand.
Keep in mind, too, that there are many additional factors other than the pure numbers game that you have to take into consideration and that ultimately you can only evaluate yourself, such as:
- liquidity / flexibility
- availability of funds for early retirement
- psychology / savings discipline
- trust in the financial system / insurance companies / the government