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# Master's Thesis »Valuation methods for pension products during the retirement phase«

- **Company:** Fraunhofer-Gesellschaft
- **Location:** Kaiserslautern, Germany
- **Contract:** Permanent contract
- **Skills:** Java (Programming Language), Computer Programming, Python (Programming Language)
- **Published:** July 3, 2026
- **Apply:** https://jobs.fraunhofer.de/talentcommunity/apply/1420710633/?locale=en_US

## About the Role

* Advanced MA studies in mathematics with a specialisation in Actuarial and Financial Mathematics
 * Interest in the subject pension scheme, ideally knowledge of German pension products
 * Strong programming skills, e.g., in Python or Java
 * Excellent written and spoken German and English
 * Willingness to develop new methods and prepare results for publication

## Description

Demographic change in Germany makes a reform of the pension system necessary. Corresponding legislative proposals for private and statutory pensions are currently being drafted. The insurance industry is developing private pension products that also include various options for the pension phase. This master's thesis aims to contribute to the evaluation of these concepts for the pension phase.

Be part of change

 * Application and further development of a concept from Australia for evaluating the payout phase of German pension products
 * Development of methods and implementation of the required stochastic modelling framework to examine the applied valuation procedures
 * Testing the methods and processes on reference products and summarising the research results in a master's thesis

What you contribute, * A varied and exciting role at the intersection of research and application

 * Opportunities to contribute your own ideas and work independently
 * Comprehensive supervision of the master's thesis and constructive feedback
 * Opportunities to publish research results and participate in conferences

We value and promote the diversity of our employees' skills and therefore welcome all applications - regardless of age, gender, nationality, ethnic and social origin, religion, ideology, disability, sexual orientation and identity. Severely disabled persons are given preference in the event of equal suitability. Our tasks are diverse and adaptable - for applicants with disabilities, we work together to find solutions that best promote their abilities.

With its focus on developing key technologies that are vital for the future and enabling the commercial utilization of this work by business and industry, Fraunhofer plays a central role in the innovation process. As a pioneer and catalyst for groundbreaking developments and scientific excellence, Fraunhofer helps shape society now and in the future.


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