Life course savings scheme

The life course scheme enables participants to save part of their gross wages to finance a period of unpaid leave. The savings balance can also be used to finance early retirement or to supplement one’s pension. The scheme is open to all persons in employment.
Since 1 January 2012, the life course savings scheme is no longer open to new participants. Those who already participated on 1 January 2012 can continue if they meet certain conditions. In 2013, the deposit in the life course savings account can also be transferred to the new vitality savings scheme.