As an employee, you must pay into a pension insurance scheme. The money is automatically deducted from your salary. There are also private pension schemes. For example, as an employee, you can make voluntary contributions into a company pension plan. This is an additional pension provided by your employer. Be sure to ask your employer about this option.
If you’re self-employed, you decide whether or not to pay into a pension insurance scheme. However, in certain professions, for example if you work as a tradesperson or a midwife, you are also required to pay into a pension insurance plan. You can also pay into a private pension insurance scheme.