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 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 making profits with them. You also benefit from tax advantages as part of the insurance wrapper.
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.
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.
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 and Switzerland, 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.
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Start your wealth provision
We would be happy to inform you in more detail about your options for insurance-based investment in a non-binding discussion.