With the digital pension plan from Estably, you can provide for your future with a strong performance – from as little as €50 per month.
We make sure that you can make uncomplicated and profitable provisions for your retirement.
Even a small monthly amount can create a large fortune in the long term - with us you can start from as little as €50 per month.
The earlier you start, the greater the compound interest effect will make your wealth grow in the long run.
Thanks to special taxation rules in the context of old-age provision, you'll end up with a bigger slice of the cake!
As a digital provider, we can offer our service at a lower price. It is important to us to communicate our costs completely transparently!
You decide whether you want the money paid out in one go or monthly.
You already have an existing pension plan? We offer you a free analysis!
With our app you can make additional payments, receive documents digitally and securely and always keep an eye on the performance.
We invest your saved assets in shares of first-class companies according to modern value investing principles.
The longer you hold shares, the higher the chances of achieving above-average returns.
A mixed bond component provides more diversification in your portfolio.
Your assets are saved in your own custody account at the St. Galler Kantonalbank.
The earlier you start saving, the more you benefit from the compound interest effect.
Here you can see an example of the performance of a pension insurance policy. In this example, the insured person is 40 years old and invests €100 per month for 27 years.
Development of assets for a monthly deposit of €100 with an assumed net performance of 8%.
Complete transparency is important to us. This table tells you everything you need to know about our fees:
Estably as a retirement provision
Minimum investment amount:
From €50 monthly, one-off payments from €50
All-in fee:
From €10,000 invested premiums: 1.75%
Fixed fee:
For less than €10,000 in invested premiums: €5 per month
Performance Fee:
10%¹
Taxation on payout:
Income tax on half of the income²
Death benefit:
110% of the fixed assets³
Entry/termination fees:
100€ in case of early termination
Loyalty bonus:
50€
Life annuity option:
Yes
¹ The performance fee of 10% only applies if Estably reaches a new performance peak in the respective year. If Estably does not achieve this, any decline must be recovered in the following year before this fee is incurred. Details
² For this so-called half-income procedure to apply, you must remain invested for at least 12 years and until you reach the age of 62. Before that, capital gains tax applies.
³ The death benefit decreases from 110% of the investment assets to 100% of the investment assets on a straight-line basis until the start of annuitisation. An individual premium is calculated for this. For a healthy 30-year-old, experience shows that this is less than €1 per year.
Complete transparency is important to us. This table tells you everything you need to know about our fees:
Estably as a retirement provision
Minimum investment amount
From €50 monthly, one-off payments from €50
All-In Fee
Fixed fee
For premiums under €10,000 invested: €5 per month
Performance Fee
10%¹
Taxation on payout
Income tax on half of the income²
Death benefit
110% of fixed assets³
Entry/termination fees
100€ in case of early termination
Loyalty bonus
50€
Life annuity option
Ja
¹ The performance fee of 10% only applies if Estably reaches a new performance peak in the respective year. If Estably does not achieve this, any decline must be recovered in the following year before this fee is incurred. Details
² For this so-called half-income procedure to apply, you must remain invested for at least 12 years and until you reach the age of 62. Before that, capital gains tax applies.
³ The death benefit decreases from 110% of the investment assets to 100% of the investment assets on a straight-line basis until the start of annuitisation. An individual premium is calculated for this. For a healthy 30-year-old, experience shows that this is less than €1 per year.
Within old-age provision, tax advantages make your investment even more attractive:
During the savings phase, you do not pay any taxes on the profits of your investments. Your savings amount is, therefore, larger and you benefit even more from the interesting effect in the end!
If your pension plan has been active for at least 12 years and you have reached the age of 62, only half of your gain is taxed.
Example: With a personal tax rate of 30%, the gains effectively attract 15% tax instead of 25% capital gains tax. With an increase in value of 200,000€, this amounts to a saving of 20,000€.
We will be happy to provide you with more details about your tax benefits in a personal meeting.
Within old-age provision, tax advantages make your investment even more attractive:
During the savings phase, you do not pay any taxes on the profits of your investments. Your savings amount is, therefore, larger and you benefit even more from the interesting effect in the end!
If your pension plan has been active for at least 12 years and you have reached the age of 62, only half of your gain is taxed.
Example: With a personal tax rate of 30%, the gains effectively attract 15% tax instead of 25% capital gains tax. With an increase in value of 200,000€, this amounts to a saving of 20,000€.
We will be happy to provide you with more details about your tax benefits in a personal meeting.
Together with the Prosperity App, we will guide you step by step to your goal.
Submit the form on this page
Follow the email invitation
Perform onboarding
Perform identity verification in the app
Sign contract digitally
Do you already have an existing retirement plan?
Simply fill out the form and follow the link in the email to start the onboarding process.
The insurance policy is arranged by prosperity solutions AG, an insurance agent of the Liechtenstein Life Assurance AG
The Prosperity solutions AG acts as an insurance agent in accordance with the Insurance Distribution Act of 5 December 2017 (VersVertG, LGBl. 2018 No. 9).
This insurance policy is brokered by prosperity solutions AG, An insurance agent of the Liechtenstein Life Assurance AG
The prosperity solutions AG operates as an insurance agent within the meaning of the Insurance Distribution Act of 5 December 2017 (VersVertG, LGBl. 2018 No. 9).
Die untenstehende Tabelle zeigt, wie die monatlichen Stückkosten die All-In Gebühr beeinflussen. Die Stückkosten des gesamten Jahres (60€) werden zur Anlagesumme ins Verhältnis gesetzt. Dieses Verhältnis wird zur bereits existierenden Gebühr von 1,75% addiert. So ist die angenommene All-in Gebühr effektiv höher, solange die Summe der investierten Prämien weniger als 10.000€ beträgt. Bei mehr als 10.000€ investierten Prämien bleibt die Gebühr konstant bei 1,75% (All-In), da die Stückkosten wegfallen.
Anlagevermögen
entspricht einer jährlicher Gesamtgebühr von
1.000€
7,75%
2.000€
4,75%
3.000€
3,75%
4.000€
3,25%
5.000€
2,95%
6.000€
2,75%
7.000€
2,61%
8.000€
2,50%
9.000€
2,42%
Ab 10.000€
1,75%
Die untenstehende Tabelle zeigt, wie die monatlichen Stückkosten die All-In Gebühr beeinflussen.
Anlagevermögen
Gebühr p.a.
1.000€
7,75%
2.000€
4,75%
3.000€
3,75%
4.000€
3,25%
5.000€
2,95%
6.000€
2,75%
7.000€
2,61%
8.000€
2,50%
9.000€
2,42%
Ab 10.000€
1,75%