Befragung von selbständig und ehemals selbständig Erwerbenden zur Verwendung des Vorsorgekapitals aus der Pensionskasse - 2004

In the occupational pension scheme, insured persons can demand cash payment of the withdrawal benefit before reaching the normal retirement age if they take up self-employment and are no longer subject to compulsory occupational pension provision. This provision of the Vested Termination Benefits Act ("Freizügigkeitsgesetz") may have undesirable indirect consequences that are not intended by the legislator. The study estimates the number of people who take up self-employment each year and draw capital from the second pillar, as well as the risk of losing capital from old-age provision due to economic difficulties. The study concludes a series of measures to reduce the risk of loss of retirement capital.