diff --git a/src/components/PlanView.tsx b/src/components/PlanView.tsx
index 37c5324..3ca9e8f 100644
--- a/src/components/PlanView.tsx
+++ b/src/components/PlanView.tsx
@@ -180,13 +180,26 @@ export function PlanView({
     };
   }
 
+  // Am Uebergang nichts (mehr) zu tun: verkauft/getilgt ODER PK/3a nach der Pensionierung
+  // (Besitzer ist zu Beginn der Von-Phase bereits pensioniert -> bereits bezogen/verrentet).
+  function transitionInactive(el: ElementInput, fromPhase: PhaseComputed): boolean {
+    const ce = computedElement(fromPhase.id, el.id);
+    if (ce && ce.status !== "ACTIVE") return true;
+    if (el.category === "PENSION_FUND" || el.category === "PILLAR_3A") {
+      if (el.ownerRole && el.ownerRole !== "HOUSEHOLD") {
+        const owner = fromPhase.persons.find((p) => p.role === el.ownerRole);
+        if (owner && !owner.working) return true;
+      }
+    }
+    return false;
+  }
+
   // Anzahl offener (noch nicht getroffener) Uebergangs-Entscheide an einer Grenze.
   function transitionOpenCount(fromPhase: PhaseComputed, toPhase: PhaseComputed): number {
     let n = 0;
     for (const el of plan.elements) {
       if (!TRANSITION_CATEGORIES.includes(el.category)) continue;
-      const ce = computedElement(fromPhase.id, el.id);
-      if (ce && ce.status !== "ACTIVE") continue;
+      if (transitionInactive(el, fromPhase)) continue;
       const td = el.transitionValues[fromPhase.id] ?? {};
       const retire = toPhase ? isRetirementTransition(el, fromPhase, toPhase) : false;
       if (!isTransitionAnswered(el.category, retire, td)) n++;
@@ -196,8 +209,7 @@ export function PlanView({
 
   // Ist der Uebergangs-Entscheid dieses Elements noch offen?
   function transitionUnanswered(el: ElementInput, fromPhase: PhaseComputed, toPhase: PhaseComputed): boolean {
-    const ce = computedElement(fromPhase.id, el.id);
-    if (ce && ce.status !== "ACTIVE") return false;
+    if (transitionInactive(el, fromPhase)) return false;
     const retire = isRetirementTransition(el, fromPhase, toPhase);
     return !isTransitionAnswered(el.category, retire, el.transitionValues[fromPhase.id] ?? {});
   }
@@ -359,8 +371,7 @@ export function PlanView({
                                 </td>
                               );
                             }
-                            const ceT = computedElement(col.fromPhase.id, el.id);
-                            const locked = !!ceT && ceT.status !== "ACTIVE"; // verkauft/getilgt
+                            const locked = TRANSITION_CATEGORIES.includes(el.category) && transitionInactive(el, col.fromPhase);
                             const canTransition = TRANSITION_CATEGORIES.includes(el.category) && !locked;
                             const open = canTransition && transitionUnanswered(el, col.fromPhase, col.toPhase);
                             return (