In pension savings, the most expensive thing is postponing. A 20% annual tax credit (up to a cap, against the personal income tax actually paid), a lock-in that protects you from raiding the pot – and a plan tailored to your own rhythm.
🎮 Snowball Run – 30 seconds = 30 years
The earlier you start, the longer your savings have to work – years started early are hard to make up for later. I don't promise a specific ratio or amount: the final result depends on the plan you choose, the premium and the returns, and the return is not guaranteed.
20% of your payments comes back as a credit (up to an annual cap, against the personal income tax actually paid) – few gifts like this exist.
Costs, terms, flexibility – compared, in plain words, with no overpromising.
20 minutes by phone or video: your situation, your goals, your budget. Free of charge, with no obligation.
I collect offers from the relevant insurers and hand them over in a single, easy-to-read table – strengths and weaknesses included.
You decide, I handle the paperwork. If you have a question later or your situation changes, let me know – and when a claim comes, I help you get started.
The former Guides have grown into a full library: basics, the tax credit and its rules, types and costs, comparisons, life situations, process, payouts, checklists – searchable via the magnifier button in the header.
The state credits 20% of your payments to the policy – up to HUF 130,000 a year in 2026. The rules are simpler than you would think.
Read it →With pension savings you do not need to win a race – you need to start early and go the distance.
Read it →All three support the pension goal with state incentives – but their mechanics, costs and flexibility differ.
Read it →One number that makes pension insurance comparable – if you know what it measures and what it does not.
Read it →Equity, bond, mixed, money market – the choice is not faith but a function of time left and the sleep factor.
Read it →No afternoon needed – four points, fifteen minutes, and the policy points at the goal again.
Read it →20% of the premium paid into pension insurance (up to an annual cap) can be reclaimed from the personal income tax you have actually paid – the tax authority transfers the amount directly onto the contract, so it also grows your savings.
The goal is retirement: the contract is tied to the retirement age or actual retirement. Early access means repaying the credits – the lock-in is exactly what protects the savings from being spent along the way.
Most products allow suspension, reduction or paid-up status – flexibility rules differ even within products, so we compare this up front.
The key metric is the TKM (total cost indicator), which makes products comparable. Beyond that, the underlying funds and bonus terms matter – I present them all in plain words.
A question of risk appetite and time horizon: a longer horizon can carry more equity exposure, a shorter one calls for a more cautious structure. In unit-linked policies the client bears the investment risk – we discuss this openly and tailor the plan to your rhythm.
More aids – checklists and guides – on the Resources page.
Gyula, Irén and Rózsi started early – compound interest has been working for all three ever since.
As an independent broker I make insurers compete for you – not the other way round. My advice costs you nothing.
nyugdij.biz is the information and quote-request page of Emánuel Dávid Tukacs, independent insurance broker. As a broker I act on the client's behalf: I compare offers from several insurers, and the decision always rests with the client. My advice is free of charge to the client – the brokerage remuneration is paid by the insurer.
