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Liechtenstein Life Wealth

Strategically accumulate wealth. Liechtenstein Life Wealth – your holistic pension solution

Your visions. Your decisions.

Discover Liechtenstein Life Wealth – the product solution for the efficient accumulation and transfer of wealth. Tax-effective. Flexible. Long-term.

Today
  • Invest and grow your assets
  • Pay no withholding tax during the savings phase
  • Insured person and policyholder do not need to be the same person
Tomorrow
  • Death benefit is not subject to income tax
  • Half-income method according to the 12/62 rule
  • Transfer of wealth via two policyholders
  • Distribution of policyholder benefits
  • Tax-free gifts within the exemption limits
Beyond
  • Asset transfer without last will and testament
  • Beneficiary rights according to rank and proportion
  • Termfix option

    The tailor-made investment strategy for your wealth objectives

    • Well-positioned individuals, with a focus on well-thought-out investments

      The combination of diversification and long-term planning makes Liechtenstein Life Wealth attractive for wealthy investors who wish to invest purposefully and strategically.

    • Financially strong investors who systematically plan their estate

      Inheritances that yield positive outcomes: Liechtenstein Life Wealth facilitates tax-effective asset transfer, which is particularly important for large assets. Investors benefit from inheritance and gift allowances.

    Our clients can expect comprehensive wealth management, targeted wealth accumulation and efficient inheritance planning.

    Aron Veress, PhD, CEO Liechtenstein Life Assurance AG

    Your key to worry-free inheritance planning.

    Plan your legacy in line with your wishes. Personalised estate management with a wealth plan individually tailored to you. With flexible adjustments, you remain in total control.

    An investment in the future.

    Unit-linked life insurance offers a wide range of investment options for a growth-oriented investment strategy. Broad diversification of financial assets reduces risk and promotes return opportunities.

    The contemporary form of personalised asset management.

    Allow yourself the freedom to shape your own financial future. Adapt your strategies as needed and actively steer your investments. This allows you to maintain full control over your investment at all times – and for life.

      Small details, big impact

      • Long-term contract: Capital remains invested and generates income without withholding tax during the accumulation phase
      • Death benefit is not subject to income tax
      • Govern incidental rights under the insurance contract, such as the right of veto – asset transfer in one contract
      • Maximum flexibility: two policyholders, two insured persons. Policyholders can also be added later; changes can be made
      • Inflationary adjustment and increase in value through higher return opportunities (fund investment)
      • Half-income method for withdrawals after 12 years and from the age of 62
      • Maximum end date: up until the insured person or the policyholder is 104 years old
      Switch & Shift

      To achieve your financial goals and respond adequately to market changes, it is advisable to adjust your investment strategy. Shift investments between funds to ensure optimum positioning of your portfolio. Switch the allocation of your future contributions to ensure the planned alignment of your portfolio – 12x per year included.

      Rebalancing

      Market fluctuations can have a significant impact on your investment strategy. Regular rebalancing allows you to restore the original asset allocation by selling or buying securities and thereby controlling your risk.

        What advantages can you expect?

        Making effective use of tax savings and the potential of compounding interest

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        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.

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