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Private

  • Current standard of living in retirement

    By saving additionally you may achieve a monthly pension of approximately 65% of your pre-pension income.

  • Income tax refund

    Every year the state will refund income tax paid on the contributions made to the 3rd pillar.

  • Flexible saving

    You can increase or decrease your contributions.

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Multilateral contributions

Employer’s contributions help you save more for pension.

 

Disbursements

Lifelong pension disbursements are tax-free if you are 55 years old and have saved at least 5 years.

How to start saving consciously?

  • Calculate your future pension with the Pension Calculator
  • Set a pension savings goal
  • Review the performance of your chosen pension fund and investment strategy
  • Think about your need for additional pension savings

We advise you to review your pension savings plan with a specialist to make sure that it corresponds to your needs and options.

 

Pension funds

A voluntary pension fund generally operates on the same bases as a regular investment fund. This means that voluntary pension funds are open to investment risk – the price of a pension fund unit may rise or fall. However, you can choose between funds with different risk levels, and all investments are managed by a fund manager.

 

Life insurance products

How to start saving consciously?

  • Calculate your future pension with the Pension Calculator
  • Set a pension savings goal
  • Review the performance of your chosen pension fund and investment strategy
  • Think about your need for additional pension savings

We advise you to review your pension savings plan with a specialist to make sure that it corresponds to your needs and options.

 

 

Are you making full use of
the 3rd pillar income tax incentive?

 
Make a contribution Register for a consultation

You have exceeded your tax-free threshold. To review your saving solutions, come in for a consultation.

Register for a consultation We assume that your monthly contributions have been made throughout the year and that (if you select net salary) you have joined the 2nd pillar.
The basis of calculation is the valid income tax rate of 20%. The income tax incentive can be claimed on 3rd pillar contributions which are up to 15% of your gross income for the calendar year, but no more than 6000 euros per year. In order to obtain your refund you must submit an income tax return.
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