Paying In

Vantage Towers is happy to help with your pension if you do a little bit for yourself, too. Just a small base contribution is enough to secure Vantage Towers contribution. This all falls under our principle of ‘preparing together’.

Yet if this is not enough, you can also choose to pay additional contributions into the Pension Plan – you decide whether it is a one-time payment or contributions out of your monthly base salary. This means we offer you a flexible system to prepare for your retirement – based entirely on your needs.

Your contribution

Your mandatory contribution:

0,5 per cent

of your gross monthly base salary (including supplements) up to the income threshold.

Vantage Towers‘ contribution

Vantage Towers contributes double of what you do:

1 per cent

of your gross monthly base salary (including supplements) up to the income threshold.

Additional voluntary contributions

You can do even more!

Add monthly contributions or one-time payments to look after your future through salary sacrifice.

The base contribution – your key to participation

Only 0.5 per cent – one small step for you, one giant leap for your pension

Forgo a small amount today so that you can enjoy more when you are older. If you are willing to pay 0.5 per cent of your gross base salary every month (including supplements and,), you participate in the Pension Plan.

Learn more

Additional voluntary contributions – giving your pension a boost

You can make additional voluntary contributions to your company pension from your monthly base salary (including supplements) or through one-time payments. Contributions are tax-free and amounts equivalent to up to four per cent of the income threshold are not subject to social deductions either. Only when your pension is paid out are there taxes and social security deductions for the health and long-term care insurance – however, the tax rate is usually lower when you are older.

Taking Control of your pension

You can improve your retirement even more with additional voluntary contributions. How much you would like to pay in is entirely up to you. You can change your mind at any time – to whatever suits your life at that point.

Paying in contributions

Additional monthly contributions

If you decide to make additional monthly contributions, you will forgo another percentage of your gross base salary (including supplements ) in addition to your base contribution. You can pay up to 80 per cent of your monthly salary into your Pension Plan.

One-time payments

Annual one-time payments such as bonuses, holiday pay or Christmas bonuses can also be paid into your company pension – you decide each time before they are given out.

Important: you have to record your decision on the portal in good time before receiving the payment. You will find the deadlines for this below. If you miss a date, you can always decide to make a monthly payment.

Furthermore, you can also make one-time payments into your Pension Plan: your severance, for example, if you leave Vantage Towers before you retire.

Monthly contributions exceeding the income threshold

If parts of your salary exceed the income threshold, you can also top up your base contribution flexibly – and still reap the benefits of Vantage Towers matching it.

You can pay in up to 4.5 per cent of your earnings above the income threshold on top of your base contribution of 0.5 per cent of earnings below the threshold. Vantage Towers will keep matching and doubling your contribution.

What does that mean? Vantage Towers will chip in up to 9 per cent for your additional monthly contributions above the income threshold.

How high is the income threshold?

Capital accumulation benefits from your employer

Making money at the click of a mouse

As an employee covered by a collective agreement, you are entitled to additional ‘capital accumulation benefits ‘capital accumulation benefits‘ (vermögenswirksame Leistungen, vL). These are benefits that are governed by your collective agreement and can be used to build your person assets. Vantage Towers invents these benefits directly into the investment products you have selected; it is not possible to have these benefits cashed out.

Learn more

Decide for yourself and stay flexible

The Pension Plan gives you lots of room to make your own decisions, with the result that you can flexibly adjust your pension to your needs at any time.

Making your own contributions

To participate in the Pension Plan, you must pay 0.5 per cent of your gross salary into your pension account every month. To this end, your monthly contribution rate for your basic pension is already set to 0.5 per cent in your pension account – you do not need to do anything! This automatic setting is applied to those joining after 1 June 2021.

Do you want to prepare even more for your future and make additional voluntary contributions? You can also set up your own contributions in your personal pension account. There is an option to enter a different amount for each type of voluntary contribution: simply enter your chosen contribution amount and you are done!

See account

Important dates

Please observe the cut-off date for each month when choosing your contributions.

The general rule is that all decisions must be made before your monthly salary is paid or the relevant one-time payments are made. These cut-off dates are generally in the first week of the month – though you can record your decision online on the portal at any time. What does that mean? If you are certain at the beginning of the year that you want your next Christmas bonus to be paid into your Pension Plan, you can record this decision months in advance.

Cut-off dates for 2025:

03rd January 2025
03rd February 2025
03rd March 2025
03rd April 2025
03rd June 2025
03rd July 2025
03rd August 2025
03rd September 2025
03rd October 2025
03rd November 2025
03rd December 2025

Paying into your pension and implications for tax and social security

Your contributions to your Pension Plan are funded from your gross pre-tax salary – which means that they reduce the income that is subject to tax.

Your contributions – up to an amount of four per cent of the income threshold – are also free from social security deductions.

Your pension is subject to tax and social security deductions only when it is paid out. However, your tax rate will usually be lower in retirement than during your working life.

More information about text and social security deductions