Estably from €50 per month

Save in our dynamic Modern Value 80 Portfolio from as little as €50 per month and benefit from unique tax advantages!

The easy way to prosperity

Even a small monthly amount can create a large fortune in the long term. In addition, our savings plan offers unique advantages that have a positive impact on your return.
Estably x Liechtenstein Life

Low entry amount

Even a small monthly amount can create a large fortune in the long term - with us you can start from as little as €50 per month.

Strong compound interest effect

The compound interest effect makes your assets grow exponentially in the long term.

Unique tax advantages

Thanks to special taxation rules in the context of old-age provision, you are left with more returns in the end!

Transparent & fare costs

As a digital provider, we can offer our service more cheaply. It is important for us to communicate our costs in a completely transparent way.

Flexible payout options

You decide whether you want the money paid out in one go or monthly.

Digital overview

With our app, you can make co-payments, receive documents digitally & securely, and always keep an eye on performance.

Value investing: the proven investment strategy

We invest your assets in shares of first-class companies according to modern value investing principles.

Strong long-term performance

The longer you hold shares, the higher the chances of achieving above-average returns with them

Risk diversification through bonds

A mixed bond component provides more diversification in your portfolio.

Security of Switzerland as a financial centre

Your assets are held in your own custody account at the St. Galler Kantonalbank.

Let your assets 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. In this table we show you the advantages you have with our savings plan variant.
Estably as Asset Management
Estably as a Retirement Provision
Minimum investment amount
From €20,000 one-off payment
From €50 monthly, one-off payments from €50
Fixed fee
For premiums under €10,000 invested: €5 per month
Performance Fee
10%¹
10%¹
Tax-free savings phase
Taxation on payout
Capital gains tax
Income tax on half of the income²
Death benefit
110% of fixed assets³
Entry/termination fees
100€ in case of early termination
Loyalty bonus
50€
Life annuity option
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 monthly, one-off payments from €50
All-in fee: From €10,000 invested premiums: 1.75%
Fixed fee: For less than €10,000 in invested premiums: €5 per month
Performance Fee: 10%¹
Taxation on payout: Income tax on half of the income²
Death benefit: 110% of the asset³
Entry/termination fees: 100€ in case of early termination
Loyalty bonus: 50€
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.

More profit remains thanks to tax benefits

Within the pension plan, tax advantages make your investment even more attractive:

Tax-free savings phase

During the savings phase, you do not pay any taxes on the profits of your investments. Your savings amount will therefore be larger and you will benefit even more from the interesting effect in the end!

Only half of the profit taxed

If your retirement plan has been active for at least 12 years and you have reached age 62, only half of your earnings will be taxed.

Example: At 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.

Thanks to tax advantages, more of the profit remains

Within old-age provision, tax advantages make your investment even more profitable.

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: 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.

Digital & uncomplicated to prosperity in old age

Together with the Prosperity App, we will guide you step by step to your goal.

Step 1

Fill out form on this page

Step 2

Follow the email invitation

Step 3

Perform onboarding

Step 4

Perform identity verification in the app

Step 5

Sign contract digitally

Start your retirement planning with Estably and prosperity solutions

After registration, you will be sent a link to start the onboarding process.
The insurance policy is brokered by prosperity solutions AG, an insurance agent of the Liechtenstein Life Assurance AG
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).
The insurance policy is brokered by prosperity solutions AG, an insurance agent of the Liechtenstein Life Assurance AG
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).