Hi guys,
here’s the promised update after the meeting with VZ. They seemed to be competent, and also the first meeting was for free. At least they are not trying to sell you certain stuff right away, like some multi-level marketing companies.
If someone has to choose a new pillar 2 solution (like @nyunai), please make sure to check for the following topics
- make sure to only get the minimum contract duration! That’s a big one, because only today I found out that I won’t be able to change P2 provider within the next 4 years (5y contract duration, could have changed that to the minimum of 3y instead…)
- only insure obligatory part first. There’s always the option to include uber-obligatory part later on, but it’s best to only go for the mandatory part first.
- check shortfall (Unterdeckung), number of retired people for each pillar 2 provider, costs and TER
@balmung: also found out today that we have a shared BVG account only (teilautonome Einrichtung mit Poolanlage), hence I’m also cross-financing other pillar 2 providers with my uber-obligatory part. You can change that to have a pot for your own company, e.g. VG BVG Sammelstiftung.
I now have to check with my current P2 provider how I can at least change the uber-obligatory part. For the mandatory part, I’m more or less stuck for the next 4 years -.-
Also, I got some numbers how my P2 provider has reallocated money from their customers to other P2 providers. It shows the last seven years, and those are nightmare numbers. The difference between the planned cover ratio and the realised cover ratio was 14% last year. That really sucks.
If someone wants to know more, please PN me.