(2022) How can I invest employee savings schemes if I do not receive the employee bonus?

For investment funds and building society savings contracts, the employee savings bonus is available if the taxable income for single individuals is below a certain threshold. This is 20.000 Euro in the first case and 17.900 Euro in the second.

For married couples, the amounts are doubled. The other VL investment options, such as bank savings plans, occupational pensions, and life insurance, are particularly suitable for those who do not receive the employee savings bonus due to higher income. This is because these products do not offer the bonus at all.

Those who do not need or want to follow the criteria for the employee savings bonus and housing bonus should focus on the return on investment and their personal security needs. The advantages and disadvantages depend on the type of investment.

For example, since the interest rate on bank savings plans often depends on the current market situation, you don't really know how much you will end up with. An occupational pension, unlike other VL savings options, is not paid out after six to seven years but only upon reaching retirement age.