Invest in your future self
With the digital pension plan from Estably, you can provide for your future with a strong performance – from as little as €50 per month.
Known from
The easy way to prosperity
We make sure that you can make uncomplicated and profitable provisions for your retirement.
Low entry amount
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.
Strong compound interest effect
The earlier you start, the greater the compound interest effect will make your wealth grow in the long run.
Unique tax advantages
Thanks to special taxation rules in the context of old-age provision, you'll end up with a bigger slice of the cake!
Transparent & fare costs
As a digital provider, we can offer our service at a lower price. It is important to us to communicate our costs completely transparently!
Flexible payout options
You decide whether you want the money paid out in one go or monthly.
Policy check
You already have an existing pension plan? We offer you a free analysis!
Digital overview
With our app you can make additional payments, receive documents digitally and securely and always keep an eye on the performance.
Value investing: the proven investment strategy
We invest your saved assets in shares of first-class companies according to modern value investing principles.
Long-term performance
The longer you hold shares, the higher the chances of achieving above-average returns.
Risk diversification through bonds
A mixed bond component provides more diversification in your portfolio.
Security in Switzerland
Your assets are saved in your own custody account at the St. Galler Kantonalbank.
Let your wealth grow exponentially
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%.
Our costs: transparent & fair
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.
Our costs: transparent & fair
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.
More profit thanks to tax benefits
Within old-age provision, tax advantages make your investment even more attractive:
Tax-free savings phase
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!
Half profit tax free
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.
More profit remains thanks to tax advantages
Within old-age provision, tax advantages make your investment even more attractive:
Tax-free savings phase
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!
Only half of the profit taxed
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.
Digital & uncomplicated to prosperity in old age
Together with the Prosperity App, we will guide you step by step to your goal.
Step 1
Submit the form on this page
Step 2
Follow the email invitation
Step 3
Perform onboarding
Step 4
Perform identity verification in the app
Step 5
Sign contract digitally
Do you already have an existing retirement plan?
Our experts offer you a free analysis so you can compare your current policy with the Estably and prosperity solutions pension plan!
Simply register using the form below and book a consultation with us in the next step.
Start your retirement provision with Estably and prosperity solutions
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).
