Private pension
Build more choices today for tomorrow.
A private pension does not have to start from a product. It starts from a simple question: how much financial freedom do you want to have later?
Work out your planThe goal
Retirement is not an age. It is financial freedom.
The question is not only when you stop working. It is how free you want to be to decide how you live, how you work and how you use your time.
The capital you build today can become choices tomorrow.
The calculation
What could you build by 65?
30 years until you are 65
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Indicative capital
- Your contributions
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- Hypothetical return
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That last line is a simple division of the capital across 20 years: it is not guaranteed income, an annuity or a drawdown plan, and it assumes no return during that period. The calculations are indicative and based on hypothetical returns. They are not a guarantee of future performance or an investment proposal. The value of investments can rise or fall. Useful information & assumptions
Time changes the equation.
- Starting at 30€264/ a month
- Starting at 40€504/ a month
- Starting at 50€1,122/ a month
The monthly contribution required for the same indicative capital at 65, at the same hypothetical return.
The best plan starts from where you are today.
Three things shape the plan.
Time
How many years you have ahead of you.
Goal
What capital or additional income you want.
Consistency
What amount you can invest, and keep investing.
A plan measured in decades changes as you do.
- Your 30sCareer · building the first capital
- Your 40sFamily · property · higher income
- Your 50sAcceleration
- Your 60sMoving towards using the capital
The plan can be revisited as income, obligations, goals and time horizon change.
The investment
A private pension is built through a long-term investment plan.
See our investment approach
The future
How many choices do you want to have later?
Let’s look at what you can start building today.
Design your plan