Digital & uncomplicated

High-performance provisioning & making dreams come true

With Estably’s digital pension plan, you can provide for your future in an uncomplicated and high-performance way.

Mockup Estably Value 80 Performance 2023

The smart way to prosperity

Even a small monthly amount can create a large fortune – thanks to our long-term high-performance investment strategy and considerable tax advantages.

Estably x Liechtenstein Life

Unique tax advantages

Thanks to special taxation rules in the context of old-age provision, you are left with more of your profit.

100% digital & uncomplicated

With our app, you can make additional payments, receive documents digitally and securely, and keep an eye on performance.

Investment in top equities

Your deposits are invested in shares of excellent companies that are traded below their value on the stock exchange.

Advantages at the Liechtenstein location

The Principality of Liechtenstein offers investors decisive advantages over Germany.

Transparent & fare costs

You benefit from low costs, which we always communicate transparently.

Policy check

You already have an existing pension plan? We offer you a free analysis!

Provide with the real money test winner

Our goal is to achieve above-average returns over the long term. The results of the real-money performance tests, in which independent testers invest their own assets in the providers, show that we succeed in this.

Estably Offensiv Siegel Biallo 2023

biallo.de

Performance winner 2023

geldanlage digital Februar 2024

geldanlage-digital.de

Performance winner 12 months (02/2024)

brokervergleich Estably 2023 Performance

brokervergleich.de

Performance winner 2023

brokervergleich Estably 2023 Risiko Rendite

brokervergleich.de

Best risk-return ratio 2023

More profit thanks to tax optimisation

With the Performance Tool you can find out how much wealth you can build up and how much tax you can save!

Your tax advantages with a pension plan:

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: Tax saving

With a personal tax rate of 30%, you effectively pay only 15% tax on the gains (instead of 25% capital gains tax). With an increase in value of €200,000, this amounts to a saving of €20,000.

Decisive advantages in Liechtenstein as a financial centre

The Principality of Liechtenstein not only boasts a stable political and legal framework, but also has an important advantage over insurance in Germany.

Schloss in Vaduz, Liechtenstein

No prohibition of payment

If an insurance company gets into difficulties in Germany, a "payment ban" can be imposed by law. The insurance company must then temporarily stop making payments. This law does not exist in Liechtenstein.

Triple-A rating without sovereign debt

Liechtenstein is one of the few debt-free states in the world. Thanks to a combination of direct democracy and constitutional hereditary monarchy, Liechtenstein also enjoys an extraordinarily solid social, legal and economic order.

Building wealth with high-growth equities

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.

Chance of high compound interest effect

Due to the long-term investment period, your assets can grow strongly through the compound interest effect.

Risk diversification through bonds

A mixed bond component (max. 20%) provides more diversification in the portfolio.

Warren Buffett, Value Investor

Warren Buffett, Value Investor

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 per month

All-in fee:

Depending on the monthly deposits:

Under €100: 2.10%

Over €100: 1.50%

If your total deposits exceed €10,000, the all-in fee is a constant 1.50%

Fixed fee:

For less than 10.000€ invested premiums: 5€ per month.

Note: This amount is invested and paid out again at the end of the term (= loyalty bonus).

Loyalty bonus:

At the end of the term

Performance Fee:

10%¹

Taxation on payment:

Income tax on only half of the income²

Death benefit:

110% of the assets³

Entry/termination fees:

None

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. Find out everything you need to know about our fees here:

Estably as a retirement provision

Minimum investment amount

From €50 per month

All-In Fee

under 100€ monthly savings: 2.10% p.a.
over 100€ monthly savings: 1.50% p.a.

Fixed fee

For less than 10.000€ invested bonus: 5€ monthly.

Note: This amount will be invested and paid out to you again at the end of the term (= loyalty bonus).

Loyalty bonus

At the end of the term

Performance Fee

10%¹

Tax advantages with the payout

Income tax only on half of the income²

Death benefit

110% of fixed assets³

Entry/termination fees

100€ in case of early termination

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 pay no tax on the profits of your investments. Your savings amount therefore increases and you benefit even more from the compound interest effect!

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.

FAQs

Frequently asked questions

Our pension solution is currently available for customers resident in Germany.

No, dissolutions are free of charge.

You can register here in the browser or via the prosperity app. 

We offer you a free analysis of your current policy and compare it objectively with our pension solution. Simply book a consultation with us!

We will be happy to clarify all your open questions in a free consultation. You can easily book an appointment with us using the form below so that we can take the time to help you find your optimal pension solution. 

Digital & uncomplicated to prosperity in old age

This is how private pension provision works:

1. Start the onboarding process

Hier to start the registration process, which will take you step by step to your goal.

2. Monthly deposits
during the term

We offer you flexible deposit options. An initial investment is also possible in addition to the monthly deposits.

3. Tax-optimised assets
to be paid out

At the end of the term (after at least 12 years and from the age of 62), you can have your assets paid out flexibly.

Do you already have an existing retirement plan?

Our experts offer you a free analysis so that you can compare your current policy with the pension solution from Estably and prosperity solutions!

Your first step towards financial independence

You can take out your pension plan uncomplicated and completely digitally in just a few minutes. If you have any questions, we will be happy to answer them in a non-binding consultation.

One step closer to prosperity

In a non-binding discussion, we will inform you about how you can make tax-optimized provisions for your prosperity.

Do you have no further questions? Here you go directly!

The insurance policy is brokered by prosperity solutions AG, an insurance agent of Liechtenstein Life Assurance AG

prosperity solutions AG acts as an insurance agent within the meaning of 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).

Enter your headline here

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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