The Bosch Vorsorgeplan

Robert Bosch introduced the first pension commitments for his associates back in 1929. To this day, the company he established remains committed to this progressive approach, supporting associates with a unique company pension scheme: the Bosch Vorsorgeplan.
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Bosch takes responsibility

Modern benefits

A company pension scheme offers the most effective way to supplement the state pension system. Through the Bosch Vorsorgeplan, Bosch makes a social contribution to retirement security in Germany. The company invests substantial financial resources to this end and continues to modernize its own benefit system with firm commitment. Bosch advocates for favorable conditions for company pension schemes – at a national level in Germany and at European level.



At the heart

The central financing vehicle for the Bosch Vorsorgeplan is the Bosch Pensionsfonds – the first company-owned institution of its kind in German industry. Company contributions and associates’ contributions are paid into pension accounts that develop in line with the investment performance of the Bosch Pensionsfonds.

Introduced in 2016, the Fondsrente (fund-based annuities) allows beneficiaries to continue to participate in the fund’s investment performance throughout the retirement payout phase.



Company contributions

Under the Bosch Vorsorgeplan, associates receive monthly company contributions that are calculated as a percentage of their salary. Bosch also pays retirement-related benefits under collective wage agreements (“altersvorsorgewirksame Leistungen”, AVWL) into the Vorsorgeplan.

Through these contributions and by covering all associated costs, the company continuously helps its associates build a solid foundation for their retirement savings.



Associates’ contributions

Associates can help build their retirement savings under the Bosch Vorsorgeplan by making contributions of their own in the form of deferred compensation. The amount of their contribution can be adjusted at any time. Contributions are initially exempt from taxes and social security contributions, helping associates build up their retirement savings. Taxes and social security contributions are not levied until benefits are paid out in the retirement phase, when they are typically significantly lower.

Bosch further supports associates’ contributions by paying a company supplement. Like the company contributions, the associates’ contributions develop in line with the investment performance of the Bosch Pensionsfonds. This enables associates to build their personal pension savings through a very attractive pension plan and significantly increase their future retirement income.

Further advantages

Not just innovative and rewarding: Bosch’s pension plan has even more to offer.

Security through professional management

Investment strategy and guaranteed contributions protect the pension balance.

By taking responsibility, Bosch offers a reliable way to supplement the state pension. As a minimum retirement benefit, the company guarantees the contributions paid into the plan. The accumulated capital is protected through a professionally managed, broadly diversified investment strategy geared for long-term performance.

Financial security
in the event of
disability or death

Protection when life takes an unexpected turn.

The Bosch Vorsorgeplan is also designed from the outset to provide financial security if life takes an unexpected turn: If an associate becomes unable to work due to disability or dies during their working life, Bosch provides additional financial protection for the associate or their surviving dependants. This benefit is paid in addition to the retirement savings accumulated up to that point. In the event of disability, an annual income is generally paid out in annual installments, and the pension savings continue to be invested until the retirement pension payout phase begins. In the event of death, the surviving dependants receive the relevant additional benefit as well as the pension savings, with flexible payout options.

Flexible payout options
on retirement

Choose the option that suits you shortly before retirement.

The Bosch Vorsorgeplan offers a number of payout options, giving associates the flexibility to choose how they would like to receive their company pension on retirement. It can be paid out in the form of a monthly lifetime annuity, as a one-time payment, in annual installments, or as a combination of these options. This makes it possible to tailor retirement payouts to suit associates’ personal circumstances when they retire.

The experts at the Bosch company pension scheme service are happy to provide personalized advice, helping associates choose the payout option that best suits their personal circumstances.

Investment strategy and guaranteed contributions protect the pension balance.

By taking responsibility, Bosch offers a reliable way to supplement the state pension. As a minimum retirement benefit, the company guarantees the contributions paid into the plan. The accumulated capital is protected through a professionally managed, broadly diversified investment strategy geared for long-term performance.

Protection when life takes an unexpected turn.

The Bosch Vorsorgeplan is also designed from the outset to provide financial security if life takes an unexpected turn: If an associate becomes unable to work due to disability or dies during their working life, Bosch provides additional financial protection for the associate or their surviving dependants. This benefit is paid in addition to the retirement savings accumulated up to that point. In the event of disability, an annual income is generally paid out in annual installments, and the pension savings continue to be invested until the retirement pension payout phase begins. In the event of death, the surviving dependants receive the relevant additional benefit as well as the pension savings, with flexible payout options.

Choose the option that suits you shortly before retirement.

The Bosch Vorsorgeplan offers a number of payout options, giving associates the flexibility to choose how they would like to receive their company pension on retirement. It can be paid out in the form of a monthly lifetime annuity, as a one-time payment, in annual installments, or as a combination of these options. This makes it possible to tailor retirement payouts to suit associates’ personal circumstances when they retire.

The experts at the Bosch company pension scheme service are happy to provide personalized advice, helping associates choose the payout option that best suits their personal circumstances.