PRIVATE CLIENTS · BUILDING WEALTH
A private pension policy can combine flexibility, tax advantages and capital growth, if it is set up properly.
Free first consultation →The problem
Many pension policies were taken out years or decades ago, when assumed interest rates were higher. Today they often pay less than expected, or cost more than modern alternatives. At the same time, newer fund-linked versions offer considerably more scope for returns.
Our solution
We examine existing pension contracts for value and establish whether improving, switching or adding to them makes sense. For new contracts we compare the best terms on the market, transparently, without any product preference of our own and with a clear focus on your retirement goals.
Book an appointment →The hard facts
48%
As a rule the state pension does not cover even half your previous income. A private pension policy can close that gap precisely.
20+ years
That is how long retirement lasts on average today, and it is getting longer. An income for life makes sure the money does not run out too soon.
€240,000
An extra €1,000 a month adds up to around €240,000 over 20 years of retirement. That is what additional provision can be worth over time.
€1,100
average state retirement pension actually paid out, which for most people is too little to maintain their standard of living.
Worth knowing
For many people it forms the foundation of their retirement provision, but it is often not enough to maintain their accustomed standard of living.
Unlike a savings plan, which runs out, a pension policy pays until the end of your life.
Good planning allows for the fact that future payments are worth less than money today.
With many policies, contributions, top-ups and the retirement date can be adjusted to your circumstances.
37+ years
in the market
100%
independent advice
DEWE
Certified partner of Deutscher Wertschutz e.V.
USING THE THIRD PILLAR
A private pension policy adds an income for life to your state pension, with tax advantages when it pays out and a free choice between an income and a lump sum.
For life
the income is paid until the end of your life.
Tax advantage
only the income element is taxed when it pays out.
Flexible
income or lump sum, and you decide later.
Worth knowing
Whether an income or a lump sum works out better depends on your tax position, and we settle that before you sign.
We show you how large your pension gap is and how to close it. Free and without obligation, in person or by video. You then decide at your own pace.
Book an appointment →