From €50 per month
Build up assets in a tax-optimised way
Save our dynamic Modern Value 80 portfolio as part of your private pension provision from as little as €50 per month and benefit from unique tax advantages!
- Higher return thanks to tax advantages
- Location advantages with insurance in Liechtenstein
- Free policy check for existing pension provision
The smart way to prosperity
Even a small monthly amount can create a large fortune in the long term. The unique tax advantages that our retirement savings solution brings maximise your return.
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.
Unique tax advantages
Thanks to special taxation rules in the context of old-age provisions, you are left with more returns in the end.
Strong compound interest effect
The compound interest effect makes your assets grow exponentially in the long term.
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.
Provide for winners with the real money test
biallo.de
Performance winner 2023
geldanlage-digital.de
Performance winner 12 months (02/2024)
brokervergleich.de
Performance winner 2023
brokervergleich.de
Best risk-return ratio 2023
Maximum return with minimum tax burden
Find out how much you can save through tax benefits!
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 profit even more from the interest 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.
Decisive advantages of Liechtenstein insurance
The Principality of Liechtenstein not only boasts a stable political and legal framework, but also has important advantages over insurance in Germany.
No payment ban
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.
Value investing: the proven investment strategy
Your assets are invested by us according to modern value investing principles in shares of first-class companies that we classify as undervalued.
Strong long-term performance
Equities have proven in the past that they perform better than all other asset classes over a correspondingly long period of time.
Risk diversification through bonds
A mixed bond component (max. 20%) ensures diversification and stability in your portfolio.
Security of Switzerland as a financial centre
Your assets are held in your own custody account at the St. Galler Kantonalbank.
Warren Buffett, Value Investor
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. The savings amount thus becomes larger and you benefit even more from the compound interest effect in the end!
Only half of the profit taxed
If your pension scheme has been active for at least 12 years and you have reached the age of 62, only half of the 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.
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 per month
All-In Fee
(depending on the amount of the monthly payments or the premium)
From 1.2% p.a.
Deposits under €100 per month:
2.10% p.a.
Deposits over €100 per month:
1.50% p.a.
Monthly fixed fee
For less than 10.000€ invested bonus: 5€ monthly.
Note: This amount will be invested and paid out to you again at the end of the term (= loyalty bonus).
Loyalty bonus
Performance Fee
10%¹
10%¹
Tax-free savings phase
Taxation on payout
Capital gains tax
Income tax only on half of the income²
Death benefit
110% of fixed assets³
No entry or termination fees
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 per month
All-In Fee:
under 100€ monthly: 2,10%
over 100€ monthly: 1.50%
From 10.000€ invested premiums: 1,50%
Fixed fee:
For less than 10.000€ invested premiums: 5€ monthly. However, this amount is invested and paid out again at the end of the term (= loyalty bonus).
Loyalty bonus:
Yes
Performance Fee:
10%¹
Taxation on payout:
Income tax on half of the income²
Death benefit:
110% of the asset³
Entry/termination fees:
No
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.
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%.
FAQs
Frequently asked questions
Digital & uncomplicated to prosperity in old age
We 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
Digital & uncomplicated to prosperity in old age
This is how private pension provision works:
1. Start the onboarding process
Here start the registration process, which will take you step by step to your destination.
2. monthly deposits
during the term
We offer flexible deposit options. An initial investment is also possible in addition to the monthly deposits.
3. Have tax-optimised assets
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 pension plan?
Our experts offer you an objective analysis free of charge so that you can compare your existing policy with the pension solution from Estably and prosperity solutions.
Learn all about the
tax-optimised prosperity provision
In a non-binding discussion, we will inform you about how you can make tax-optimized provisions for your prosperity.
Do you have no further questions? Go directly here!
Start your retirement provision with Estably and prosperity solutions
Start your tax-optimized old-age provision in a few minutes, uncomplicated and completely digitally.
(Note: there is no charge for registration)
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).
