Guaranteed pension conditions

We give you planning security: We offer fixed pension conditions with guaranteed pension factors for the payout phase already at the conclusion of the contract. No other provider of subsidized fund savings plans offers that.

Security through strong retirement partner

Together with our partner, myLife Lebens­versicherung AG, we offer fixed pension conditions with guaranteed pension factors for the payout phase already at the conclusion of the contract.
The guaranteed pension factor indicates your minimum lifelong monthly pension per EUR 10,000 of saved capital. A pension factor of e.g. 30 would then translate into a life-long monthly annuity of EUR 30 per EUR 10,000 of saved capital.

Use our calculator to determine your individual pension factor.

Year of birth
Retirement age

Guaranteed pension factor

Our insurance partner myLife guarantees you this current pension factor already at the beginning of your contract within the scope of the entitlement. This minimum factor contains no surpluses and thus represents the lower limit.

Expected pension factor

This value refers to the total amount of a flexible bonus pension incl. the current profit participation of myLife and is not guaranteed. The actual pension payment may fluctuate up or down depending on the surplus situation.

guaranteed pension factor
Year of birth Retirement age
62 63 64 65 66 67
1948 EUR 29.34 EUR 30.11 EUR 30.93 EUR 31.80 EUR 32.72 EUR 33.70
1949 EUR 29.18 EUR 29.95 EUR 30.76 EUR 31.62 EUR 32.53 EUR 33.49
1950 EUR 29.03 EUR 29.79 EUR 30.59 EUR 31.44 EUR 32.34 EUR 33.29
1951 EUR 28.88 EUR 29.63 EUR 30.42 EUR 31.26 EUR 32.15 EUR 33.10
1952 EUR 28.73 EUR 29.47 EUR 30.26 EUR 31.09 EUR 31.97 EUR 32.91
1953 EUR 28.58 EUR 29.32 EUR 30.09 EUR 30.92 EUR 31.79 EUR 32.72
1954 EUR 28.44 EUR 29.17 EUR 29.94 EUR 30.75 EUR 31.61 EUR 32.53
1955 EUR 28.30 EUR 29.02 EUR 29.78 EUR 30.59 EUR 31.44 EUR 32.35
1956 EUR 28.16 EUR 28.87 EUR 29.62 EUR 30.42 EUR 31.27 EUR 32.17
1957 EUR 28.02 EUR 28.72 EUR 29.47 EUR 30.26 EUR 31.10 EUR 31.99
1958 EUR 27.88 EUR 28.58 EUR 29.32 EUR 30.11 EUR 30.94 EUR 31.82
1959 EUR 27.75 EUR 28.44 EUR 29.17 EUR 29.95 EUR 30.77 EUR 31.64
1960 EUR 27.62 EUR 28.30 EUR 29.03 EUR 29.80 EUR 30.61 EUR 31.47
1961 EUR 27.49 EUR 28.17 EUR 28.89 EUR 29.65 EUR 30.45 EUR 31.31
1962 EUR 27.36 EUR 28.03 EUR 28.74 EUR 29.50 EUR 30.30 EUR 31.14
1963 EUR 27.23 EUR 27.90 EUR 28.61 EUR 29.35 EUR 30.14 EUR 30.98
1964 EUR 27.11 EUR 27.77 EUR 28.47 EUR 29.21 EUR 29.99 EUR 30.82
1965 EUR 26.98 EUR 27.64 EUR 28.33 EUR 29.07 EUR 29.84 EUR 30.67
1966 EUR 26.86 EUR 27.51 EUR 28.20 EUR 28.93 EUR 29.69 EUR 30.51
1967 EUR 26.74 EUR 27.39 EUR 28.07 EUR 28.79 EUR 29.55 EUR 30.36
1968 EUR 26.63 EUR 27.27 EUR 27.94 EUR 28.65 EUR 29.41 EUR 30.21
1969 EUR 26.51 EUR 27.14 EUR 27.81 EUR 28.52 EUR 29.27 EUR 30.06
1970 EUR 26.40 EUR 27.02 EUR 27.69 EUR 28.39 EUR 29.13 EUR 29.91
1971 EUR 26.28 EUR 26.91 EUR 27.56 EUR 28.26 EUR 28.99 EUR 29.77
1972 EUR 26.17 EUR 26.79 EUR 27.44 EUR 28.13 EUR 28.85 EUR 29.63
1973 EUR 26.06 EUR 26.67 EUR 27.32 EUR 28.00 EUR 28.72 EUR 29.49
1974 EUR 25.95 EUR 26.56 EUR 27.20 EUR 27.88 EUR 28.59 EUR 29.35
1975 EUR 25.85 EUR 26.45 EUR 27.08 EUR 27.75 EUR 28.46 EUR 29.21
1976 EUR 25.74 EUR 26.34 EUR 26.97 EUR 27.63 EUR 28.33 EUR 29.08
1977 EUR 25.64 EUR 26.23 EUR 26.85 EUR 27.51 EUR 28.21 EUR 28.94
1978 EUR 25.53 EUR 26.12 EUR 26.74 EUR 27.39 EUR 28.08 EUR 28.81
1979 EUR 25.43 EUR 26.01 EUR 26.63 EUR 27.27 EUR 27.96 EUR 28.68
1980 EUR 25.33 EUR 25.91 EUR 26.52 EUR 27.16 EUR 27.84 EUR 28.55
1981 EUR 25.23 EUR 25.80 EUR 26.41 EUR 27.04 EUR 27.72 EUR 28.43
1982 EUR 25.13 EUR 25.70 EUR 26.30 EUR 26.93 EUR 27.60 EUR 28.30
1983 EUR 25.04 EUR 25.60 EUR 26.19 EUR 26.82 EUR 27.48 EUR 28.18
1984 EUR 24.94 EUR 25.50 EUR 26.09 EUR 26.71 EUR 27.37 EUR 28.06
1985 EUR 24.85 EUR 25.40 EUR 25.99 EUR 26.60 EUR 27.25 EUR 27.94
1986 EUR 24.75 EUR 25.30 EUR 25.88 EUR 26.49 EUR 27.14 EUR 27.82
1987 EUR 24.66 EUR 25.21 EUR 25.78 EUR 26.39 EUR 27.03 EUR 27.70
1988 EUR 24.57 EUR 25.11 EUR 25.68 EUR 26.28 EUR 26.92 EUR 27.59
1989 EUR 24.48 EUR 25.02 EUR 25.58 EUR 26.18 EUR 26.81 EUR 27.47
1990 EUR 24.39 EUR 24.93 EUR 25.49 EUR 26.08 EUR 26.70 EUR 27.36
1991 EUR 24.31 EUR 24.83 EUR 25.39 EUR 25.98 EUR 26.60 EUR 27.25
1992 EUR 24.22 EUR 24.74 EUR 25.30 EUR 25.88 EUR 26.49 EUR 27.14
1993 EUR 24.13 EUR 24.65 EUR 25.20 EUR 25.78 EUR 26.39 EUR 27.03
1994 EUR 24.05 EUR 24.57 EUR 25.11 EUR 25.68 EUR 26.29 EUR 26.93
1995 EUR 23.96 EUR 24.48 EUR 25.02 EUR 25.59 EUR 26.19 EUR 26.82
1996 EUR 23.88 EUR 24.39 EUR 24.93 EUR 25.49 EUR 26.09 EUR 26.71
1997 EUR 23.80 EUR 24.31 EUR 24.84 EUR 25.40 EUR 25.99 EUR 26.61
1998 EUR 23.72 EUR 24.22 EUR 24.75 EUR 25.31 EUR 25.89 EUR 26.51
1999 EUR 23.64 EUR 24.14 EUR 24.66 EUR 25.21 EUR 25.79 EUR 26.41
2000 EUR 23.56 EUR 24.06 EUR 24.58 EUR 25.12 EUR 25.70 EUR 26.31
expected pension factors including surplus (flexible pension)
Year of birth Retirement age
62 63 64 65 66 67
1948 EUR 35.21 EUR 36.13 EUR 37.12 EUR 38.16 EUR 39.26 EUR 40.43
1949 EUR 35.02 EUR 35.94 EUR 36.91 EUR 37.94 EUR 39.03 EUR 40.19
1950 EUR 34.83 EUR 35.74 EUR 36.71 EUR 37.72 EUR 38.80 EUR 39.95
1951 EUR 34.65 EUR 35.55 EUR 36.51 EUR 37.51 EUR 38.58 EUR 39.72
1952 EUR 34.47 EUR 35.37 EUR 36.31 EUR 37.31 EUR 38.36 EUR 39.49
1953 EUR 34.30 EUR 35.18 EUR 36.11 EUR 37.10 EUR 38.15 EUR 39.26
1954 EUR 34.12 EUR 35.00 EUR 35.92 EUR 36.90 EUR 37.94 EUR 39.04
1955 EUR 33.95 EUR 34.82 EUR 35.73 EUR 36.70 EUR 37.73 EUR 38.82
1956 EUR 33.79 EUR 34.64 EUR 35.55 EUR 36.51 EUR 37.52 EUR 38.60
1957 EUR 33.62 EUR 34.47 EUR 35.37 EUR 36.32 EUR 37.32 EUR 38.39
1958 EUR 33.46 EUR 34.30 EUR 35.19 EUR 36.13 EUR 37.12 EUR 38.18
1959 EUR 33.30 EUR 34.13 EUR 35.01 EUR 35.94 EUR 36.93 EUR 37.97
1960 EUR 33.14 EUR 33.96 EUR 34.83 EUR 35.76 EUR 36.73 EUR 37.77
1961 EUR 32.98 EUR 33.80 EUR 34.66 EUR 35.58 EUR 36.54 EUR 37.57
1962 EUR 32.83 EUR 33.64 EUR 34.49 EUR 35.40 EUR 36.36 EUR 37.37
1963 EUR 32.68 EUR 33.48 EUR 34.33 EUR 35.22 EUR 36.17 EUR 37.18
1964 EUR 32.53 EUR 33.32 EUR 34.16 EUR 35.05 EUR 35.99 EUR 36.99
1965 EUR 32.38 EUR 33.17 EUR 34.00 EUR 34.88 EUR 35.81 EUR 36.80
1966 EUR 32.24 EUR 33.02 EUR 33.84 EUR 34.71 EUR 35.63 EUR 36.61
1967 EUR 32.09 EUR 32.87 EUR 33.68 EUR 34.55 EUR 35.46 EUR 36.43
1968 EUR 31.95 EUR 32.72 EUR 33.53 EUR 34.38 EUR 35.29 EUR 36.25
1969 EUR 31.81 EUR 32.57 EUR 33.37 EUR 34.22 EUR 35.12 EUR 36.07
1970 EUR 31.67 EUR 32.43 EUR 33.22 EUR 34.06 EUR 34.95 EUR 35.89
1971 EUR 31.54 EUR 32.29 EUR 33.07 EUR 33.91 EUR 34.79 EUR 35.72
1972 EUR 31.41 EUR 32.15 EUR 32.93 EUR 33.75 EUR 34.63 EUR 35.55
1973 EUR 31.27 EUR 32.01 EUR 32.78 EUR 33.60 EUR 34.47 EUR 35.38
1974 EUR 31.14 EUR 31.87 EUR 32.64 EUR 33.45 EUR 34.31 EUR 35.22
1975 EUR 31.01 EUR 31.74 EUR 32.50 EUR 33.30 EUR 34.15 EUR 35.05
1976 EUR 30.89 EUR 31.60 EUR 32.36 EUR 33.16 EUR 34.00 EUR 34.89
1977 EUR 30.76 EUR 31.47 EUR 32.22 EUR 33.01 EUR 33.85 EUR 34.73
1978 EUR 30.64 EUR 31.34 EUR 32.09 EUR 32.87 EUR 33.70 EUR 34.57
1979 EUR 30.52 EUR 31.22 EUR 31.95 EUR 32.73 EUR 33.55 EUR 34.42
1980 EUR 30.40 EUR 31.09 EUR 31.82 EUR 32.59 EUR 33.40 EUR 34.26
1981 EUR 30.28 EUR 30.97 EUR 31.69 EUR 32.45 EUR 33.26 EUR 34.11
1982 EUR 30.16 EUR 30.84 EUR 31.56 EUR 32.32 EUR 33.12 EUR 33.96
1983 EUR 30.04 EUR 30.72 EUR 31.43 EUR 32.18 EUR 32.98 EUR 33.82
1984 EUR 29.93 EUR 30.60 EUR 31.31 EUR 32.05 EUR 32.84 EUR 33.67
1985 EUR 29.82 EUR 30.48 EUR 31.18 EUR 31.92 EUR 32.70 EUR 33.53
1986 EUR 29.70 EUR 30.37 EUR 31.06 EUR 31.79 EUR 32.57 EUR 33.38
1987 EUR 29.59 EUR 30.25 EUR 30.94 EUR 31.67 EUR 32.43 EUR 33.24
1988 EUR 29.49 EUR 30.14 EUR 30.82 EUR 31.54 EUR 32.30 EUR 33.11
1989 EUR 29.38 EUR 30.02 EUR 30.70 EUR 31.42 EUR 32.17 EUR 32.97
1990 EUR 29.27 EUR 29.91 EUR 30.58 EUR 31.29 EUR 32.04 EUR 32.83
1991 EUR 29.17 EUR 29.80 EUR 30.47 EUR 31.17 EUR 31.92 EUR 32.70
1992 EUR 29.06 EUR 29.69 EUR 30.36 EUR 31.05 EUR 31.79 EUR 32.57
1993 EUR 28.96 EUR 29.58 EUR 30.24 EUR 30.94 EUR 31.67 EUR 32.44
1994 EUR 28.86 EUR 29.48 EUR 30.13 EUR 30.82 EUR 31.54 EUR 32.31
1995 EUR 28.76 EUR 29.37 EUR 30.02 EUR 30.70 EUR 31.42 EUR 32.18
1996 EUR 28.66 EUR 29.27 EUR 29.91 EUR 30.59 EUR 31.30 EUR 32.06
1997 EUR 28.56 EUR 29.17 EUR 29.81 EUR 30.48 EUR 31.19 EUR 31.93
1998 EUR 28.46 EUR 29.07 EUR 29.70 EUR 30.37 EUR 31.07 EUR 31.81
1999 EUR 28.37 EUR 28.97 EUR 29.59 EUR 30.26 EUR 30.95 EUR 31.69
2000 EUR 28.27 EUR 28.87 EUR 29.49 EUR 30.15 EUR 30.84 EUR 31.57
expected pension factors including surplus (semi-dynamic pension)
Year of birth Retirement age
62 63 64 65 66 67
1948 EUR 33.79 EUR 34.68 EUR 35.62 EUR 36.62 EUR 37.68 EUR 38.80
1949 EUR 33.61 EUR 34.49 EUR 35.42 EUR 36.41 EUR 37.46 EUR 38.57
1950 EUR 33.43 EUR 34.30 EUR 35.22 EUR 36.20 EUR 37.24 EUR 38.34
1951 EUR 33.25 EUR 34.12 EUR 35.03 EUR 36.00 EUR 37.03 EUR 38.12
1952 EUR 33.08 EUR 33.94 EUR 34.84 EUR 35.80 EUR 36.82 EUR 37.90
1953 EUR 32.91 EUR 33.76 EUR 34.66 EUR 35.60 EUR 36.61 EUR 37.68
1954 EUR 32.75 EUR 33.59 EUR 34.47 EUR 35.41 EUR 36.41 EUR 37.46
1955 EUR 32.58 EUR 33.41 EUR 34.29 EUR 35.22 EUR 36.21 EUR 37.25
1956 EUR 32.42 EUR 33.25 EUR 34.11 EUR 35.03 EUR 36.01 EUR 37.04
1957 EUR 32.26 EUR 33.08 EUR 33.94 EUR 34.85 EUR 35.82 EUR 36.84
1958 EUR 32.11 EUR 32.91 EUR 33.77 EUR 34.67 EUR 35.62 EUR 36.64
1959 EUR 31.95 EUR 32.75 EUR 33.60 EUR 34.49 EUR 35.44 EUR 36.44
1960 EUR 31.80 EUR 32.59 EUR 33.43 EUR 34.31 EUR 35.25 EUR 36.25
1961 EUR 31.65 EUR 32.44 EUR 33.26 EUR 34.14 EUR 35.07 EUR 36.05
1962 EUR 31.50 EUR 32.28 EUR 33.10 EUR 33.97 EUR 34.89 EUR 35.86
1963 EUR 31.36 EUR 32.13 EUR 32.94 EUR 33.80 EUR 34.71 EUR 35.68
1964 EUR 31.22 EUR 31.98 EUR 32.78 EUR 33.64 EUR 34.54 EUR 35.49
1965 EUR 31.07 EUR 31.83 EUR 32.63 EUR 33.47 EUR 34.37 EUR 35.31
1966 EUR 30.93 EUR 31.68 EUR 32.47 EUR 33.31 EUR 34.20 EUR 35.13
1967 EUR 30.80 EUR 31.54 EUR 32.32 EUR 33.15 EUR 34.03 EUR 34.96
1968 EUR 30.66 EUR 31.40 EUR 32.17 EUR 33.00 EUR 33.86 EUR 34.79
1969 EUR 30.53 EUR 31.26 EUR 32.03 EUR 32.84 EUR 33.70 EUR 34.61
1970 EUR 30.40 EUR 31.12 EUR 31.88 EUR 32.69 EUR 33.54 EUR 34.45
1971 EUR 30.27 EUR 30.98 EUR 31.74 EUR 32.54 EUR 33.38 EUR 34.28
1972 EUR 30.14 EUR 30.85 EUR 31.60 EUR 32.39 EUR 33.23 EUR 34.12
1973 EUR 30.01 EUR 30.72 EUR 31.46 EUR 32.24 EUR 33.07 EUR 33.95
1974 EUR 29.89 EUR 30.59 EUR 31.32 EUR 32.10 EUR 32.92 EUR 33.79
1975 EUR 29.76 EUR 30.46 EUR 31.19 EUR 31.96 EUR 32.77 EUR 33.64
1976 EUR 29.64 EUR 30.33 EUR 31.05 EUR 31.82 EUR 32.63 EUR 33.48
1977 EUR 29.52 EUR 30.20 EUR 30.92 EUR 31.68 EUR 32.48 EUR 33.33
1978 EUR 29.40 EUR 30.08 EUR 30.79 EUR 31.54 EUR 32.34 EUR 33.18
1979 EUR 29.29 EUR 29.96 EUR 30.66 EUR 31.41 EUR 32.20 EUR 33.03
1980 EUR 29.17 EUR 29.84 EUR 30.54 EUR 31.27 EUR 32.06 EUR 32.88
1981 EUR 29.06 EUR 29.72 EUR 30.41 EUR 31.14 EUR 31.92 EUR 32.74
1982 EUR 28.94 EUR 29.60 EUR 30.29 EUR 31.01 EUR 31.78 EUR 32.59
1983 EUR 28.83 EUR 29.48 EUR 30.16 EUR 30.89 EUR 31.65 EUR 32.45
1984 EUR 28.72 EUR 29.37 EUR 30.04 EUR 30.76 EUR 31.51 EUR 32.31
1985 EUR 28.61 EUR 29.25 EUR 29.92 EUR 30.63 EUR 31.38 EUR 32.17
1986 EUR 28.51 EUR 29.14 EUR 29.81 EUR 30.51 EUR 31.25 EUR 32.04
1987 EUR 28.40 EUR 29.03 EUR 29.69 EUR 30.39 EUR 31.12 EUR 31.90
1988 EUR 28.30 EUR 28.92 EUR 29.58 EUR 30.27 EUR 31.00 EUR 31.77
1989 EUR 28.19 EUR 28.81 EUR 29.46 EUR 30.15 EUR 30.87 EUR 31.64
1990 EUR 28.09 EUR 28.70 EUR 29.35 EUR 30.03 EUR 30.75 EUR 31.51
1991 EUR 27.99 EUR 28.60 EUR 29.24 EUR 29.92 EUR 30.63 EUR 31.38
1992 EUR 27.89 EUR 28.49 EUR 29.13 EUR 29.80 EUR 30.51 EUR 31.25
1993 EUR 27.79 EUR 28.39 EUR 29.02 EUR 29.69 EUR 30.39 EUR 31.13
1994 EUR 27.69 EUR 28.29 EUR 28.92 EUR 29.58 EUR 30.27 EUR 31.01
1995 EUR 27.60 EUR 28.19 EUR 28.81 EUR 29.46 EUR 30.16 EUR 30.88
1996 EUR 27.50 EUR 28.09 EUR 28.71 EUR 29.36 EUR 30.04 EUR 30.76
1997 EUR 27.41 EUR 27.99 EUR 28.60 EUR 29.25 EUR 29.93 EUR 30.64
1998 EUR 27.31 EUR 27.89 EUR 28.50 EUR 29.14 EUR 29.82 EUR 30.53
1999 EUR 27.22 EUR 27.80 EUR 28.40 EUR 29.04 EUR 29.70 EUR 30.41
2000 EUR 27.13 EUR 27.70 EUR 28.30 EUR 28.93 EUR 29.60 EUR 30.30

Benefit from more return opportunities and less pension uncertainty

If you save for old age, you can use the opportunities of the global capital market with low-cost funds. In return, you accept that it is not exactly predictable how much capital will be available to you at the beginning of your retirement. In Riester contracts, this uncertainty is reduced by the premium guarantee at the beginning of the pension.

You know from the beginning what will happen to your retirement capital if you decide on a life-long pension. Our insurance partner, myLife Lebens­versicherung AG, assures you fixed pension conditions with guaranteed pension factors at the beginning of the contract for a retirement with between 62 and 67 years of age. You will not get such a guarantee with any other subsidized fund savings plan!

Only Raisin Pension offers you planning security today. Other providers of subsidized fund savings plans also promise you a lifelong pension. However, their conditions are set shortly before retirement.

Guaranteed pension factors olus a maximum pension commitment from the beginning

The guaranteed pension factor indicates your minimum lifelong monthly pension per EUR 10,000 of saved capital. It depends on the so-called calculation bases. These include the guaranteed annuity rate, the insurer's cost structure and the mortality tables used.

Example: With a savings of EUR 100,000 and a guaranteed pension factor of EUR 31 , you will receive a monthly lifelong pension of at least EUR 310.

Here you can find a table with the guaranteed pension factors depending on your year of birth, the start of the pension and the death protection you have chosen:
Guaranteed pension factors

Much can happen until your retirement. For example, the bases of calculation for life-long annuity payments may change. That's why you get not only guaranteed pension factors when signing the contract, but also a maximum pension commitment.

This means: If the calculation bases changed in your favor up to the beginning of the pension, you receive pension payments, which are calculated with the better conditions.

3 types of dependents insurance to choose from

During the contribution phase + 10-year pension guarantee period

Your saved money is available to your dependents in the form of a widow‘s or orphan‘s pension during the accumulation phase as well as in the first 10 years after the retirement date.

During the contribution phase + residual payout

Your saved money is available to your dependents in the form of a widow‘s or orphan‘s pension during the accumulation phase as well as a residual payout in the payout phase.

Only during the contribution phase

Your saved money is available to your dependents in the form of a widow‘s or orphan‘s pension during the accumulation phase. If you die early in the payout phase, your dependents will not receive anything.

Surplus usage – flexible bonus pension or dynamic pension

The guaranteed pension factor has been calculated by myLife Lebens­versicherung AG in a conservative, very cautious, manner so that it can actually make the promised pension payments in the future.

The pension actually paid can be higher than the guaranteed one, because myLife Lebens­versicherung AG generates surpluses in its capital investment, most of which is passed on to customers. You have the choice between the flexible bonus pension and the dynamic pension or a mixture of both.

Flexible bonus pension

With the flexible bonus pension, surpluses are added to the first guaranteed pension. This proportion can fluctuate in both directions. This is the default option for all contracts.

Dynamic pension

With a dynamic pension the guaranteed pension payment increases every year and can no longer decrease.

Mixed form

In the mixed form, the guaranteed pension payment increases by less each year and at the same time a variable surplus is paid directly on the first pension. In all cases, a ten-year pension guarantee or a lump sum payment can be chosen as dependents insurance. However, this means that the pension factors are somewhat lower.

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