Retirement provision that truly lasts.
We close your pension gap predictably, with the right mix of subsidies, flexibility and security.
Services · Provision
The statutory pension rarely is enough
On average it replaces only about half of your last net salary. You build the rest yourself, the earlier the cheaper.
The gap is concrete
At around 48% statutory pension, several hundred euros a month can quickly be missing.
Subsidies are free money
Riester, Basisrente and company provisions often add over 30% on top, if you use them.
Time is your biggest lever
Starting at 30 instead of 45 often costs less than half for the same pension.
Your pension gap
Your advantages
Close the pension gap
We calculate your gap and close it step by step.
Use subsidies
Riester, Basisrente & co., we get what you're entitled to.
Stay flexible
Solutions that fit your life, not the other way around.
How your plan becomes complete.
Income cover
Cars are insured. Income often is not. We check that gap first.
Health add-ons
Statutory benefits do not always go far enough. We check which gap can become expensive.
Riester
Riester is not for everyone. For families, employees and home ownership it can be strong.
Basisrente
Basisrente is often strong for self-employed people and high earners, but less flexible.
VASP
VASP combines saving with optional protection. Good when protection and discipline matter more than the cheapest ETF.
VSP
VSP bundles liability, home, accident, car and legal cover. The value is overview and clean protection.
Property cover
Liability, home contents, building, accident and glass belong in the foundation when assets exist.
Building savings
Building savings is not hype. It fits when property, renovation or rate security are real goals.
In the right order
Insurance, banking, pensions and investment, coordinated, not cobbled together. That's how we build your wealth: from the foundation up.
- 1
Foundation
Reserves and protecting income and health, your ability to work is your biggest asset.
- 2
Pensions & home ownership
Retirement provision and a home of your own.
- 3
Wealth building
Flexible investing, broadly diversified and long-term.
- 4
Speculation
Only once every goal is secured, deliberate and limited.
Frequently asked questions about provision
How big is my pension gap?
The statutory pension often replaces only about half of your last net income. We calculate your specific gap and close it with the right subsidies.
Is the Basisrente worth it if it's taxed in retirement?
Usually yes: during your working life your tax rate is typically much higher than in retirement, and the subsidy is often over 30% of contributions, for anyone who pays tax.
Can I access my money in an emergency?
It varies by product. From the start we focus on the flexibility that fits your life.