Author
Ruven Simon
Head of Occupational Pension Sales (bAV) and authorised signatory (Prokurist), WWK Lebensversicherung a. G.
Ruven Simon runs bAV sales (betriebliche Altersversorgung, Germany's occupational pension system) at WWK Lebensversicherung. For Vorsorgedepot-Lotse he explains how the Altersvorsorgedepot (the new state-subsidised retirement investment account) sits alongside an occupational pension, and what employees gain by saving out of gross pay rather than net.
About Ruven Simon
Ruven Simon's career is unusually straight: he started his training at WWK's head office in Munich in 2004 and has stayed with the company ever since. First administration, then broker support, today sales leadership. Knowing bAV from all three angles shows you early where an occupational scheme comes apart in practice.
In the second pillar of German retirement provision, his day-to-day work has less to do with the product calculation than with what comes after it. Is the scheme set up cleanly? Do the employer and the employee still understand what they signed ten years on? His public position is that bAV does not hinge on new contracts but on looking after the existing ones.
For Vorsorgedepot-Lotse he covers exactly that seam. The Altersvorsorgedepot is private, state-subsidised provision; alongside it, many employees have an occupational pension or could have one. The two routes are advised on separately, but they are paid for out of the same income.
Career
- since 2023Head of Occupational Pension Sales (bAV), authorised signatoryWWK Lebensversicherung a. G., Munich
- 2021–2022Head of bAV Partner SalesWWK Lebensversicherung a. G., Munich
- 2007–2021Broker support, latterly regional director for the Bavaria sales regionWWK Lebensversicherung a. G.
- 2004–2007Vocational training at the head officeWWK Lebensversicherung a. G., Munich
What Ruven Simon writes about here
On Vorsorgedepot-Lotse, Ruven covers the occupational side: which comes first, the Altersvorsorgedepot or an occupational pension, when the money only stretches to one; what employees with an existing occupational pension need to watch for; and where the social-security saving reverses in the payout phase. Every subsidy, tax and legal figure is sourced; the decision stays with the reader.
Why Ruven Simon is a trustworthy author
What Ruven Simon writes about occupational pensions comes from two decades of practice inside a pension provider, and his career is publicly documented in press releases and trade interviews. What stays transparent: he works in sales at a life insurer that offers bAV products itself, and does not act as an independent adviser or as a neutral provider comparison. His pieces explain the mechanics of the second pillar; they carry no product recommendation.
Articles by Ruven Simon
1 published guides to the Altersvorsorgedepot.