Company pensions made simple - the new ERGO company pension dynamic

Company pension schemes can be very complicated. Not with ERGO: the new “ERGO Betriebs-Rente Dynamik” scores with its simple contract conclusion - and high dynamics in terms of investment concepts and design options.

Oliver Horn, Member of the Board of Management of ERGO Vorsorge Lebensversicherung AG

In principle, everyone agrees that company-organized pension schemes are a good thing. They offer employees an important building block for their retirement provision. And they make companies more attractive as employers.

But when it comes to the actual organization, things often get complicated. How much emphasis is on security, how much on potential return? Where does the money go? And how does the contract balance translate into a guaranteed monthly pension?

‘We have addressed these questions,’ says Oliver Horn, Member of the Board of Management of ERGO Vorsorge Lebensversicherung AG. ‘The new ERGO Betriebs-Rente Dynamik offers a wealth of design options. That's why ERGO has developed a modular system with which the company pension scheme can be quickly and easily customized to the needs and requirements of corporate customers. This makes the advisory process simple for brokers and sales partners.’

Simple and dynamic – a perfect combination

With the ERGO Betriebs-Rente Dynamik, ERGO is adding a highly attractive and flexible variant to its product range.

The diverse design options include flexible guarantee levels of between 60 and 100 per cent and attractive investment portfolios for the capital investment – including the option of putting together the capital investment yourself from around 80 individual funds.

‘We know from many discussions with customers that employers today are very interested in knowing that their investments take sustainability aspects into account. And that doesn't just apply to employers who are subject to the provisions of the Supply Chain Sustainability Act,’ says Oliver Horn.

This is why ERGO has placed a special focus on sustainability aspects: At 75%, ERGO Betriebs-Rente Dynamik currently has the highest SFDR ratio of all insurers in Germany for the protection assets (Sicherungsvermögen). The SFDR rate (Sustainable Finance Disclosure Regulation) indicates the extent to which the investments of an insurance company or a financial product offered by it take account of environmental, social and governance aspects.

The new ERGO Betriebs-Rente Dynamik also scores well when it comes to costs – and not only in terms of investment, where the most favourable investment portfolio ETF Welt 100 only charges 0.11 percent per year.

The final highlight is the unique ERGO pension formula, which results in one of the highest guaranteed pension factors on the market: So that the contract assets become a secure and predictable monthly pension payment.

‘Occupational pensions,’ says Oliver Horn, ‘are an important business area for ERGO with great potential for growth. That is why we are working hard to maximize the attractiveness of our product range in this area. The latest proof of this is the ERGO Betriebs-Rente Dynamik: with top conditions and our modular advisory system that makes it easy for everyone involved.’