How do experts see the weighting of surpluses?

As important and right.

Surplus model

Surplus model

├ťberschussmodell

Surpluses are used to raise reserves to cushion fluctuations in equity prices and are also paid out to the insured during the surplus distribution process. According to the regulations of pension fund pro, the foundation's excess income is divided equally between the fluctuation reserves of the affiliated pension funds (weighted) and the fluctuation reserve of the foundation from a funding ratio of 105%. If the funding ratio is 112.5% or more, the net profit is credited in full to the affiliated pension funds' disposable assets.

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