Your pension.
Your assets. Your choice.
A tailor-made pension thanks to forward-looking Invest

That’s why you should take
care of your financial future today

Navigate safely: close pension gaps

The state pension only covers 60 % of the standard of living achieved before retirement. Private pension provision offers the possibility to close income gaps and protect against them. Start today with the right private pension plan to continue enjoy your standard of living even in retirement.

Asset protection through asset growth

By investing in your financial pension right now, you can protect yourself against any current loss of value due to inflation and market fluctuations. Do something today to ensure your assets continue to grow and gain weight in the future too.

Independence for a self-determined future

Tax that is in your own hands: your private financial pension will give you control over your future, not needing to rely solely on state services or relatives. You can make your own decisions about how you wish to spend your old age and where to exert control.

    Advantageous
    Trustworthy
    In your own hands

    Save taxes.
    Generate wealth

    Benefit from the advantages of targeted advice and tailored products. Our expertise focuses exclusively on investment-based life insurance from the third pillar, which has tax benefits. This makes us a leading specialist with unrivaled expertise. For your needs. For you.

    Hedging risk

    The combination of voluntary pension plan, disability insurance and death protection ensures financial protection. Protect yourself and your loved ones from adverse financial consequences when life takes an unexpected turn.

    Digital asset management

    You can conveniently manage your whole pension plan and your accumulation of wealth via the Prosperity App. You always have full control and benefit from digital innovation.

      The third pillar: Our expertise – your key to financial freedom

      The third pillar of the pension plan reflects the vision of Liechtenstein Life: Everyone should have the chance to build prosperity and enjoy a carefree life in retirement. Fund-based facilities offer smart and taxable ways to ensure the standard of living you’ve become accustomed to.

      Your goals, your choice:
      get the maximum possible benefit

       

      Benefits

      Pillar 3a - Maximum tax savings

      Pillar 3b - Maximum flexibility

      Income tax✓ Deposits significantly reduce your tax burden

      ✓ Tax-optimized savings phase


      ✓ Capital payments are tax-free under certain conditions

      Maximum contribution

      ✓ Employed persons (with pension fund): CHF 7’258


      ✓ Self-employed (without pension fund): 20% of annual income, max. CHF 36’288

      		✓ You can deposit as much as needed to achieve your financial goals
      Term/withdrawal✓ Five years before normal AHV (Federal Old Age and Survivors' Insurance) age at the earliest✓ Free choice of term - optimum flexibility when it comes to withdrawal
      Early payout

      ✓ Purchase of residential property for own use and repayment of mortgage loan


      ✓ Withdrawal of disability pension


      ✓ Transfer to pension scheme or other recognised forms of pension


      ✓ Starting or changing self-employment


      ✓ Emigration

      		✓ Possible anytime

       

      Your Prosperity World
      A pension that adapts to your life
      Prosperity 3a

      Your smart pension plan with optimal tax savings

      Prosperity Duo

      Be in charge: for the protection of your better half

      Prosperity Plus

      Your flexible pension plan for wealth creation

      Prosperity Junior

      Financial independence and protection for your little ones

      Want to find out more?

      Find the product that suits you and your personal circumstances. More than 1,000 brokers will be happy to advise you.

      Your independence

      Flexible, individual and direct

      Direct contact with your agent, supplementary payments and access to all documents – possible at any time in your Prosperity App.

      In constant focus

      Your investments. Always visible.

      Your money – your platform: see the current value of your portfolio and your growth forecast in your Prosperity App.

      Digital convenience

      Easy and functional

      In your browser. On your smartphone. Always on your screen.

        Foresight
        that pays off

        Make the most of your opportunities: well-thought-out investments in the global economic system are worthwhile based on evidence.

        The past has shown: Well-thought-out investments in the global economic system pay off. Investments in the stock market are an effective way to protect your assets from inflation and generate revenue instead. For your retirement – flexible and independent.

        Still have questions?

        We can answer them! There are different ways to contact us.
        We will be happy to help you.