Private pension
Build supplementary capital for your retirement.
Through regular saving and investment options aligned with your time horizon and investor profile, you can start building additional capital for the years after work.
Work out your planThe goal
Retirement is a question of financial freedom, not of age.
What matters is not only when you stop working, but how much freedom you want over how you live, how you work and how you spend your time.
The capital you build today gives you choices later.
The calculation
What capital could you have 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 future
Let’s discuss your retirement options.
Talk to us about your time horizon, affordable contributions and the features that matter to you.
Arrange a meetingBenefits, guarantees, investment risks and early-surrender options vary by product. The applicable contractual documents set out the precise terms of each plan.