Fund-Based Pension
Top-tier returns with all the freedom of an investment account
The fund-based pension (Fondsrente) combines the flexibility of a securities account with the advantages of a private pension insurance. Your contributions are not paid a fixed interest rate but are instead invested in investment funds, offering greater return potential in exchange for higher risk.
Benefits of this insurance
You receive a guaranteed monthly annuity for life, no matter how old you become.
Returns generated during the savings phase are tax-free.
No entry costs or account maintenance fees apply.
You can switch investment funds at no extra cost whenever you need to.
What is covered
Fund investment
You can invest in equity funds, bond funds, or ETFs, choosing the investment strategy yourself.
Access to exclusive fund classes
You gain access to actively managed fund share classes usually reserved for institutional investors.
Occupational disability option
You can supplement the product with protection against occupational disability.
Beneficiary protection
In the event of death, your beneficiaries receive the agreed protection.
What is not covered
Capital guarantee
Since it invests in capital markets, there is a risk of loss; there is no guarantee of recovering 100% of the contributed capital.
Predictable fixed return
Unlike a classic pension insurance, returns depend on the performance of the chosen funds.
Real claim examples
Accumulated capital after 30 years
A client who consistently invested in equity funds over 30 years accumulates significantly more capital than an equivalent fixed-interest product.
Supplementary lifelong annuity
Upon reaching retirement, a client converts their accumulated capital into a monthly lifelong annuity that supplements their state pension.
Frequently asked questions
Is this a risky product?
Since it invests in capital markets, it carries higher risk than a classic pension insurance, making it suitable for those willing to accept some volatility in exchange for greater return potential.
Can I choose what to invest in?
Yes, you decide the investment strategy among the available options, such as equity funds, bond funds, or ETFs.
How is it paid out at the end?
You can choose between a lifelong monthly annuity or a one-time lump-sum payment at the end of the savings phase.
Can it be combined with other pension products?
Yes, many people take it out as a complement to a classic pension insurance to diversify their savings strategy.
Looking for greater return potential for your retirement?
Tell us your risk profile and we will explain how the fund-based pension works.
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