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Invest in your future self

With the Estably pension plan, you can provide for your future in an uncomplicated and high-performance way – from as little as €50 per month.

The easy way to prosperity

We make sure that you can make uncomplicated and profitable provisions for your retirement.
Estably x Liechtenstein Life

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 compound interest effect makes your assets grow exponentially in the long term.

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.

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.

Strong 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
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

Start your retirement provision with Estably and prosperity solutions

After registering, you will be sent a link 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).

So wirkt sich die Fixgebühr auf Ihr Investment aus

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 prozentualen Angaben in dieser Tabelle dienen lediglich zur Repräsentation und Vergleichbarkeit zu anderen Investmentformen. Sie sind nicht bindend.

So wirkt sich die Fixgebühr auf Ihr Investment aus

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%

Die prozentualen Angaben in dieser Tabelle dienen lediglich zur Repräsentation und Vergleichbarkeit zu anderen Investmentformen. Sie sind nicht bindend.

This is how the fixed fee affects your investment

The table below shows how the monthly unit costs affect the All-In fee. The unit costs of the entire year (60€) are set in relation to the investment amount. This ratio is added to the existing fee of 1.75%. Thus, the assumed all-in fee is effectively higher as long as the sum of the invested premiums is less than 10,000€. For more than €10,000 in invested premiums, the fee remains constant at 1.75% (all-in) because the unit costs are omitted.
Fixed assets
corresponds to a total annual fee of 
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%
From €10,000
1,75%
The percentage figures in this table are for representation and comparability with other forms of investment only. They are not binding.

This is how the fixed fee affects your investment

The table below shows how the monthly unit cost affects the All-In fee.
Fixed assets
Fee 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%
From €10,000
1,75%
The percentage figures in this table are for representation and comparability with other forms of investment only. They are not binding.
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