Invest with Tax Advantages.
Our Modern Value strategy within a tax-advantaged framework. Returns remain invested during the term and are only taxed upon payout. We will determine the best solution for you together in a personal consultation.
Modern Value in an Insurance Wrapper.
Investments are made according to our Modern Value strategy: in companies with solid fundamentals that are available at a price below their intrinsic value.
The framework is provided by a so-called insurance wrapper. This results in significant tax differences compared to a regular brokerage account: returns within the policy are not continuously taxed, but only upon payout. If certain conditions are met, only half of the returns are taxed.
Furthermore, a policy can be transferred during one's lifetime. This can play a role in wealth succession planning.
What the framework achieves tax-wise.
No Ongoing Tax
If we reallocate within the policy, no flat-rate withholding tax is incurred. The full amount remains invested.
Half Taxation upon Payout
If the payout occurs after the 62nd birthday and the contract has been in effect for at least twelve years, only half of the returns are taxed at your personal tax rate.
Transferring Assets
The death benefit of a life insurance policy is exempt from income tax. A policy can also be transferred during one's lifetime.
This description applies to private investors who are subject to unlimited tax liability in Germany. The advantages assume that current regulations remain in place and that the conditions are met until the end of the term. In the event of early termination, they will be lost entirely or in part.
Two Insurance Partners, One Strategy.
For tax-optimized investments, we collaborate with two insurers. In both cases, we manage the assets according to Modern Value.
Vienna Life
Modern Value 60 or Modern Value 100
Liechtensteinische Landesbank (LLB)
Liechtenstein Life
Modern Value 80
St. Galler Kantonalbank
Which solution is right for you depends, among other things, on your desired equity allocation and your personal situation. We will clarify this in a discussion and then refer you to the appropriate option.
How we proceed together.
Consultation
We discuss your goals, investment horizon, and tax situation.
Suitable Solution
We show you which of the two options suits you best and explain the costs and conditions.
Implementation
We assist you with the application process. Afterwards, we manage your assets according to Modern Value, and you can view the development at any time in your dashboard.
Is a tax-optimized solution right for you?
We would be happy to discuss this with you personally. Together, we will assess whether an insurance wrapper is beneficial in your situation.