PRIVATE PENSION PROVISION
Tax-optimised provision for your prosperity
Within the framework of private pension provision, tax advantages ensure maximum returns with minimum tax burden
Private wealth provision with Estably
Our long-term value investing strategy is ideal for making provisions for your retirement. Due to the long investment period, you benefit from a high compound interest effect with a manageable risk, because the longer you invest in shares, the more likely you are to realise profits.
Higher returns thanks to tax advantages
As part of the insurance, you benefit from tax advantages that make your return on investment higher.
Strong compound interest effect in the long term
Our long-term strategy is an excellent way to build up assets over a long period of time.
Security in Liechtenstein / Switzerland
Your insurance custody account is held at St. Galler Kantonalbank (Switzerland).
Established insurance partners
We work with trustworthy companies from Liechtenstein that have a lot of experience in the industry.
Transparent & Fair Costs
We attach great importance to clearly communicating the costs incurred to you in the insurance sector as well.
High performance portfolio
For retirement provision, you can choose from our high-performance Modern Value 80 portfolio (80% equities, 20% bonds).
Our partner:
- Why make private provision?
Our society is getting older and older, while the percentage of the working-age population is decreasing. Thus, fewer and fewer working people have to take care of more and more retirement pensioners. In most cases, the amount of the statutory pension (1st pillar) is no longer sufficient to maintain the accustomed standard of living in old age.
Instead of relying solely on state or occupational (2nd pillar) provision, it is advisable to take the reins into your own hands and take out additional private provisions (3rd pillar).
- When do you start making provisions?
The earlier the better. The longer you save up for the sum that will maintain your standard of living, the lower your monthly payments will be. In addition, there is the often underestimated compound interest effect, which makes your assets grow exponentially over a longer term.
In addition, with a pension option involving shares, the risk is reduced the longer your investment horizon is.
- How much provision?
The amount of provision you make should depend on the size of your pension gap, your standard of living, and your financial possibilities. The pension gap is the difference between your last salary as a professional and the money you receive as a statutory pension.
Here too, the more you invest in your old-age provision in earlier years, the greater your compound interest effect will be in the long term.
Our solutions
With strong long-term performance to prosperity in old age
Due to the low returns on traditional life insurance, capital market-linked life insurance policies are becoming increasingly popular. The return paid out at the end of the contract depends on the performance of the fund or portfolio in which the policyholder invests by means of a single payment or recurring amounts.
- Long-term performance
The longer you hold a stock, the more likely you are to make substantial profits on it.
- Low costs
Compared to unit-linked life insurance, our costs are lower – you get more return on your investment!
- Tax advantages
With a pension plan, you benefit from a number of tax advantages (e.g. omission of the final withholding tax).
- Security
In Liechtenstein and Switzerland, the insurance assets are part of the special estate in the event of bankruptcy and are protected.
Expertise from Liechtenstein
Our insurance partner
Our trusted partner in the insurance sector is characterized by many years of experience and outstanding service.
- From €50,000 minimum investment
- Personalised advice and support
- "Foundation Light"
- Modern Value 60 & 100
- Domicile in Liechtenstein
- Custody account with Liechtensteinische Landesbank
- Digitally lockable
- Smartphone App
- Modern Value 80 Strategy
- Domicile in Liechtenstein
- Custody account with St. Galler Kantonalbank (Switzerland)
Your next step
Start your wealth provision
- Higher returns thanks to tax benefits
- Flexible layout options
- First-class service from our experienced partners
We would be happy to inform you in more detail about your options for insurance-based investment in a non-binding discussion.
