За последние десятилетия возрастная структура населения Германии подверглась сильным изменениям. Германия заметно "постарела", в связи с этим все меньшее колличество работающи, платящих взносы в государственную систему социального обеспечения, должно материально обеспечивать все большее число пенсионеров. Увеличение продолжительности жизни (что само по себе, конечно, замечательно) ведет к тому, что пенсионеры получают пенсию дольше, чем еще в 1950-м году. Одновременно с этим снижается рождаемость. Если в настоящий момент на каждого пожилого человека приходится три сравнительно молодых человека, то уже в 2012 году их по прогнозам, останется только двое.
Для того, чтобы сократить непомерные взносы в систему обеспечения работющего населения, правительство Германии в январе 2001 года приняло решение о понижении уровня пенсии с сегодняшгих 70% до 67% в 2003 году, что и явилось первой частью пенсионной реформы. Образовавшиеся в ходе этого "прорехи" в и без того скудном бюджете пенсионеров, которые не в состоянии покрыть государственная пенсия, предполагается залатать добровольным частным пенсионным страхованием.
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