Private wealth provision
Build up assets in a tax-optimised way
Use our high-performance investment strategy to provide for your prosperity.
- Higher return thanks to tax advantages
- Maximum security thanks to Swiss custodian bank
- From €100,000 minimum investment possible
The smart way to prosperity
A pension solution offers you unique opportunities to invest your assets in a tax-privileged manner.
Exclusive tax benefits
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.
You can also contact us during business hours (Monday to Friday from 9 a.m. to 6 p.m.)
without an appointment by calling +423 220 29 70 or sending an e-mail to [email protected].
Provide for winners with the real money test
The results of the real money performance tests show that we succeed in achieving above-average returns in the long term. Independent testers invest their own money in the providers.
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.
You can also contact us during business hours (Monday to Friday from 9 a.m. to 6 p.m.)
without an appointment by calling +423 220 29 70 or sending an e-mail to [email protected].
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
You can also contact us during business hours (Monday to Friday from 9 a.m. to 6 p.m.)
without an appointment by calling +423 220 29 70 or sending an e-mail to [email protected].
Our costs: transparent & fair
Complete transparency is important to us. In this table, we show you the advantages you have with our pension plan variant.
Estably as a retirement provision
Minimum investment amount
From € 100,000
All-in fee
1.50 % p.a.
Monthly fixed fee
Loyalty bonus
Performance Fee
10%¹
Tax-free savings phase
Taxation on payout
Income tax only on half of the income²
Death benefit
110% of fixed assets³
No entry or cancellation fees
Option of a lifelong pension
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:
€ 100,000
All-in fee:
1.50% p.a.
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.
FAQs
Frequently asked questions
non-binding consultation
free consultation.
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
Your next step to personal prosperity
In a non-binding and free consultation, we will clarify your open questions and inform you about your next steps.
Find out:
- All about your tax benefits
- Details of our investment strategy
- How you can start your pension provision
- And much more!
You can also contact us during business hours (Monday to Friday from 9 a.m. to 6 p.m.)
without an appointment by calling +423 220 29 70 or sending an e-mail to [email protected].
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).
