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Effective forward-planning: profitable and personal.

Tailored planning for retirement and the future

The tailor-made pension with top fund selection

Prosperity Plus offers the best investment opportunities with full control and flexibility. It is the tailor-made pension plan with a top selection: hundreds of leading funds are available to personalise investment strategies. Capital can be withdrawn at any time for even more freedom and liquidity. By providing a guaranteed lifelong pension and survivor protection, Prosperity Plus ensures financial autonomy in retirement.

Needs-oriented pension provision for a wide range of target groups

  • Employees

    The ideal solution for employees who want to set up their own long-term pension plan. Prosperity Plus enables them to have peace of mind as they look to the future and enjoy a secure retirement.

  • The non-employed

    Even in the event of a temporary loss of income, pension provision is crucial. Prosperity Pension is used to avoid financial bottlenecks and secure long-term goals – for a worry-free future.

  • Parents

    Prosperity Plus offers pension solutions tailored to the specific needs of parents and their children. Achieve financial balance - for yourself and your family.

  • Students

    Small contributions, big impact: early pension provision is crucial – and it is already possible during your studies. With regular contributions, Prosperity Plus enables students to proactively build up a pension while also offering flexibility for career changes.

  • Career starters

    For a pension that grows with you: Prosperity Plus adapts perfectly to the various phases of professional life. For career starters, it offers tailor-made contributions that can be salary-adjusted.

The advantages

  1. Age of the policyholder at entry: 18 to 80 years
  2. Payment possible as a lump-sum or as a pension
  3. Supplemental payments possible from € 100
  4. Premium guarantee model (choose from 50 % or 80 %)
  5. Optional exemption from contributions (transfer of contributions)
  6. Contractually agreed payouts in the event of the insured person’s death

World of first-class investment options

Discover our diverse fund universe with over 350 individual funds and funds of funds
  • All risk classes
  • Passive ETFs
  • Active investment funds
  • Choose from up to 10 different assets
  • 12 free switches and shifts per year
  • No front-end load
  • Start management and reallocation management for supplemental payments and single contributions
  • Strategic end-of-contract management

Your diversified portfolio – trusting in Liechtenstein

Country rating: AAA Standard & Poor’s – zero national debt
With the highest financial standing, Liechtenstein is among the most economically stable countries in the world – and is one of the few that remain debt-free.
Location independent of the EU – client funds are legally protected
The interplay of legal certainty and political sovereignty makes Liechtenstein an attractive environment for managing assets and financial services.
Managed client assets of over CHF 420 billion
As a significant financial centre in the heart of Europe, Liechtenstein provides the ideal framework conditions for long-term assets.
    Comparison of fund policy and custody account

    Fund-based pension provision pays off

      Fund policy
    • Advance lump-sum payment
      no advance lump-sum
    • Withholding tax
      income is tax-free during the savings phase
    • Rebalancing
      tax-free rebalancing
    • Half-income method (12/62 rule)
      capital access is possible with tax benefits after 12 years and a minimum age of 62 years
      Custody account
    • Advance lump-sum payment
      advance lump-sum payments may be subject to tax
    • Withholding tax
      withholding tax on acquired investment income
    • Rebalancing
      taxed when reallocating investments
    • Half-income method (12/62 rule)
      not applicable

      Successful together

      Your digital connection process starts here – with a face-to-face meeting

      Effective technology that suits your needs

      Faster. Simpler. Better. Connect your client database directly to our system with APIs that allow applications to communicate seamlessly with each other and share data. This saves you time, effort and resources, which you can then invest in your client relationships instead. Because that’s the best investment you can make.

      Investments with tax benefits. Optimise returns. With Liechtenstein Life Invest.

      Thanks to the benefits of pension insurance, clients can enjoy all the advantages of this form of investment, with the prospect of a subsequent lump-sum payment or pension payment. Specifically designed for high-income clients, this insurance solution offers income-oriented pension provision and comprehensive cover.