In the following simulation model, you can learn in a playful way how, for example, a change in the LOB interest rate or the retirement credits affects the interest-bearing, saved final balance. Simply change the model using the various sliding rules.

Two scenarios are calculated. The first corresponds to today's conventional rule of increasing retirement credits as one gets older. The second model "new" is based on an inverse model. Retirement credits that decrease with age have the advantage that older employees become cheaper for a company. In addition, by saving early, one already has capital much faster to be able to finance one's own home at the age of 35, for example.