A little update for those who need it: wThose who want to set aside an extra penny from their statutory pension and supplementary pension through their employer or as a self-employed person can opt for retirement savings insurance or a retirement savings fund. The big difference between the two is the risk you take.
At the retirement savings insurance know in advance the minimum annual return (and you also have the possibility of a profit bonus). At the pension fund your return depends on the evolution of the stock market. The fund invests in stocks and bonds. So the risk is greater, but so is the upside potential.
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