The employee savings bonus promotes the employee's capital formation through agreed capital-forming benefits (VL). These are funds which the employer invests for the employee in a certain form of investment (e.g. securities savings contract or also building society savings contract).
The savings bonus amounts to 9% (in the case of a bauspar contract or the direct use of VL for housing construction) or 20% (in the case of so-called "participation savings") of the amount of VL.
If two eligible contracts are concluded (e.g. a bauspar contract and a securities savings contract), the bonuses are granted in parallel.