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Private pension provision with Estably

We offer you the opportunity to use our high-performance asset management for your private retirement provision. To this end, we cooperate with established insurance companies based in the Principality of Liechtenstein. Our long-term value investing strategy is an excellent way to provide for your retirement. Due to the long investment period, you benefit from a high compound interest effect with manageable risk, because: the longer you invest in shares, the higher the chances of achieving profits with them.

Vienna Life

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).

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.

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.

Low interest rates

Classic life insurance hardly yields a return

With classic life insurance, you pay money into your pension account once or regularly to receive it again after the agreed term or in the event of death.

The amounts you pay earn interest at a guaranteed rate of 0.9% (in Germany). This guaranteed interest rate will be further reduced to 0.25% at the beginning of the next year¹. In addition, depending on the agreement, you will receive so-called surplus participation either on an ongoing basis or at the end of the contract. These are surpluses that the insurance company has earned with the assets entrusted to it.

¹ (abgerufen am 30.9.2021)

However, the surplus participation have been sparse over the last few years for two reasons:

Due to the low-interest rate level and the legal requirement that only a small part of the assets may be invested in shares, it is difficult for insurance companies to generate returns.

If surpluses are generated, they are first used to pay the guaranteed interest on existing policies. In 1999, for example, the guaranteed interest rate was still 4%. Due to the aging society, there are still many contracts with a relatively high-interest rate.
What used to be considered a popular investment is hardly attractive today due to the low-interest rates.

Estably Altersvorsorge

Our solutions

With strong long-term performance to prosperity in old age

Due to the low return 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 insured person invests by means of a one-off payment or recurring amounts. The additional costs incurred by the inclusion of a fund or asset manager are more than offset by tax benefits.

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The longer you hold a stock, the more likely you are to make substantial profits on it.

Compared to unit-linked life insurance, our costs are lower – you get more return on your investment!

With a pension plan, you benefit from a number of tax advantages (e.g. omission of the final withholding tax).

In Liechtenstein, the insurance assets are part of the special estate in the event of bankruptcy and are protected.

Expertise from Liechtenstein

Our insurance partners

Our trustworthy partners in the insurance sector are characterised by decades of experience and excellent service. We would be happy to help you find the right insurance solution for you.

Vienna Life

Your next step

Start your wealth provision

We would be happy to inform you in more detail about your options for private pension provision in a non-binding discussion.