Capital-forming benefits are not equally worthwhile for everyone. Salary is also crucial. How you can receive funding and which savings plans are most beneficial
Until the beginning of this year, low earners in particular benefited greatly from the so-called VL savings contracts. However, this was not due to the capital-forming benefits (VL) per se, but primarily to the employee savings allowance.
The VL system works like this: Every employee can ask their employer to help them save by having the company pay part of their salary into a special savings contract. The employee chooses this contract himself.
Source: Stern
