FINANCIAL PLANNING

A financial plan makes it possible to determine the client’s individual and objective need of liquidity and capital and, in a second step, define consistent financial goals.

RETIREMENT

Giving up your job is one of the most decisive changes in life.
Retirement is a complex subject. Several different factors, such as state pensions, securities, insurance policies, real estate and bequest play a part.
Planning for retirement should therefore start as soon as possible. We shall support you at this with our experts.

PENSION OR CAPITAL

Substantial capital accumulates in the pension fund in the course of working life. The question of pension or capital withdrawal inevitably arises. To answer it, it is necessary to exactly analyse the current situation of your assets and define your personal goals and desires.

Our specialists shall be glad to help find the best solution for you.

INVEST IN A PENSION FUND – SAVE TAXES

If there is adequate purchasing potential, every ensured person principally has the opportunity of investing their private equity in a pension fund.

This can be used to compensate for lacking years of contribution or gaps due to increases of income. This will not only augment the old-age payments, the invested sum can also be deducted from taxable income in many countries. Such strategy, however, must be thoroughly analysed under various aspects.