Benefits of the VwdA
Security – The Architects’ Pension Fund (VwdA) is part of the first pillar of retirement income and is a fully funded pension scheme. The contributions paid in are annuitised in accordance with the principle of individual equivalence. This means that our participants enjoy a particularly high degree of security.
Above-average benefit payments – The VwdA annuitises contributions paid in since 1 January 2021 at an annuity rate of 2.5% (in accordance with § 30 of our Statutes). The payments made by the VwdA are also extremely attractive compared to those paid by private retirement pension products.
Comprehensive insurance – The VwdA also takes care of its members’ families. In addition to our retirement pension, we also provide a disability pension, a widow’s or widower’s pension and an orphan’s allowance for children who have lost one or both parents.
Flexibility to choose the contribution amount – Members can choose to increase their compulsory contribution of 18% of their annual professional income (employees: 18.6% of their income subject to social insurance contributions) in accordance with our Statutes and benefit from a higher pension entitlement. And conversely, during the first five years of self-employment, members can choose to halve their contributions (to 9%).