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A workers occupational pension scheme in the form of direct insurance is especially suitable for stocking up on a future pension. It is of interest to every employee in a permanent or long-term contract, not only for “high earners”. Apprentices and marginal workers who make provisions with the company pension scheme have an excellent opportunity. The direct insurance, income tax, and social security contributions can be saved (again, I’m not clear….). It is significantly more savings in this model for your age, as will be deducted from the net income. These savings can be also used for the finishing touch to your age or risk provisioning requirements.