This German Letter Will Decide Your Future

Every year, over 30 million people in Germany receive their Renteninformation from the Deutsche Rentenversicherung — but almost nobody truly understands it. 🤔

In this video, we’ll explain your Renteninformation line by line and show you exactly what the numbers mean for your future pension.
You’ll learn how your pension points (Entgeltpunkte) are calculated, what your projected pension (Regelaltersrente) really says about your retirement, and why inflation and taxes mean your payout might be worth much less than you think.

Whether you’re just getting started with your pension or you’ve been working in Germany for years — understanding this letter is the first step to building your financial freedom.

📈 In this video you’ll learn:
- What the Renteninformation from Deutsche Rentenversicherung actually tells you
- How your Erwerbsminderungsrente (disability pension) and Regelaltersrente are calculated
- How the Rentenwert and your Entgeltpunkte determine your pension
- Why Rentenanpassung, Kaufkraft, and Inflation are critical for your future income
- What “Zusätzlicher Vorsorgebedarf” really means — and how to close your pension gap

💬 Got questions about your Renteninformation or retirement in Germany? Drop them in the comments — we’ll cover them in future videos!

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PerFinEx GmbH - Personal Finance for Expats
The #1 English-speaking & Independent Financial Planner in Germany
Further legal information is available at perfinex.de/impressum