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  1. Knowledge
  2. ›Glossary
  3. ›Pension Gap

Retirement

Pension Gap

The pension gap is the difference between your financial needs in retirement and the statutory pension you can expect.

The pension gap is the difference between the desired standard of living in retirement (typically 70–80% of final net income) and the statutory pension you can expect.

On average, the statutory pension covers only about 48% of final net income. For middle and higher incomes, the gap is particularly large.

The pension gap can be closed through private or occupational provision. The earlier you start, the lower the monthly savings rate needed tends to be, thanks to the compound-interest effect.

Related terms

Riester PensionSavings Plan (DCA)ETF (Exchange-Traded Fund)

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