In Liechtenstein as a financial centre
Tax-optimised asset accumulation & making dreams come true
With Estably’s digital pension plan, you benefit from tax advantages to provide for your future with a strong performance.
- Higher return thanks to tax benefits
- Location advantages in the Principality of Liechtenstein
- Completely digital lockable
Known from
The smart way to prosperity
Even a small monthly amount can create a large fortune in the long term.
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 always keep an eye on the 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
As a digital provider, we can offer our service more cheaply. It is important to us to communicate our costs in a completely transparent way.
Policy check
You already have an existing pension plan? We offer you a free analysis!
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.
We will be happy to provide you with more details about your tax benefits in a personal meeting.
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.
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.
Build wealth with high-growth companies
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
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:
Dependent on monthly deposits:
Under 100€: 2,10%
Over 100€: 1,50%
From deposits totaling €10,000, the All-In fee is a constant 1.50%.
Fixed fee:
For less than €10,000 in invested premiums: €5 per month.
Note: This amount is invested and paid out again at the end of the term.
Performance Fee:
10%¹
Taxation on payout:
Income tax on half of the income²
Death benefit:
110% of the fixed assets³
Entry/termination fees:
Keine
Loyalty bonus:
At the end of the term
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 per month
All-In Fee
under 100€ monthly savings: 2.10%
over 100€ monthly savings: 1.50%
Fixed fee
For premiums under €10,000 invested: €5 per month
Note: This amount is invested and paid out to you again at the end of the term.
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
At the end of the term
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
Digital & uncomplicated to prosperity in old age
This is how private pension provision works:
1. Start the onboarding process
Hier start the registration process, which will take you to step by step to your goal.
2. Monthly deposits
during the term
We offer 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!
Start your path to prosperity
After registering, you have the opportunity to learn even more about an old-age provision in a free consultation.
(Note: no costs are incurred at the time of registration)
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.
You have no further questions? Here we go directly!
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).
