Pension Points in the Points Model:
With the simple formula below you can calculate your own pension points for the year Divide your paid contributions for the year by the applicable reference salary of €1200. Then multiply that by your age factor. The result, rounded up to 2 decimal points is your annual pension points.
Please note: Your age factor and reference contribution are determined by the beginning of your individual contract. Consult your General Insurance Terms (AVB) for the applicable age factor table - see the following link.
Be aware: In the funded RZVK Freiwillige Versicherung scheme the guaranteed pension is lower than in RZVK Pflichtversicherung but in case of surplus sharing higher benefits can be accrued.