Umbrella Pension Fund Moj Steber
Benefits of the Umbrella Pension Fund Moj Steber
Take advantage of tax relief and payments without entry costs
Additional pension savings is the only form of savings for which you can claim tax relief each year.*
* The maximum amount of paid premium that you can claim until the end of 2023 is 5.844% of the individual's gross salary (or 24% of all paid contributions for mandatory pension and disability insurance), but in no case more than EUR 2,903.66 on an annual basis. * If the insured is also included in a pension plan for collective supplementary pension insurance, the premiums from both pension plans (individual and collective) are added together to claim tax deductions. In the event that the total amount of premiums exceeds the legal limits, the employer that finances the pension plan has priority in claiming tax deductions.
Investment structure and return
See the current investment structure (.pdf) by type and geographic structure and the return of each sub-fund (.pdf) for the last five financial years and on the accounting day.
Individual pension insurance
- Any natural person who is an insured person or a beneficiary of rights from compulsory pension insurance can join the individual pension insurance and pay the insurance premiums independently.
- Individual insurance completes the collective supplementary pension insurance, under which the employer co-finances a part of the premium.
- Intesa Sanpaolo Bank is liable in respect of its entire assets to repay the paid-up capital sums and the guaranteed return of the Moj Steber Guaranteed Sub-Fund.
Collective pension insurance
- Natural persons can join the collective supplementary pension insurance through their employer, who fully or partially finances their premiums.
- A company creates a collective pension scheme for its employees.
- A company that joins the supplementary pension scheme receives additional tax benefits.
