← Retirement planning · Private pension
Third pillar · Private provision
Private pension: fully flexible, entirely on your terms.
You pay into the third pillar out of your net income, and in return you decide everything yourself: how you invest, when you can access the money and whether you combine wealth building and protection right away. The ideal addition once the subsidised pillars are used up, or when flexibility matters to you.
What the third pillar covers
Provision without tight restrictions.
Here there are no government rules on payout or availability. You save out of your net income and stay completely flexible in return.
Private pension insurance
A predictable, lifelong pension, with a lump-sum payout instead of a pension if you prefer. You decide.
Funds & savings plans
Invest with broad diversification and return potential, even from small monthly amounts.
Gold & tangible assets
Physical gold as an admixture that makes your provision more stable against crises.
The solution
Vermögensaufbau & Sicherheitsplan from Generali.
Generali · Vermögensaufbau & Sicherheitsplan
Provision and protection in a single contract.
The flagship of private provision: you build wealth flexibly and can cover several of life's risks at the same time, instead of running a separate contract for every topic.
Invest flexibly, gold included
Freely combinable and reallocatable at any time: secure interest, funds, exclusive funds and physical gold, with no funding restrictions.
Five risks, one contract
Your ability to work, serious illness, surviving dependants, long-term care and wealth building can all be covered together.
Customer bonus
Combine several building blocks and secure a lasting contribution advantage of up to 10 %.
Fund pension with a safety net
Stay invested even in retirement while keeping a guaranteed minimum pension as a firm floor.
Dive deeper
The building blocks in detail.
How funds and gold work in wealth building is something we explain on their own pages, with examples and a savings-plan calculator.
Frequently asked questions
Good to know.
When is a private pension (third pillar) worthwhile?
When flexibility matters to you, when the subsidised pillars are used up, or when you want to bundle wealth building and protection in one contract. It is the ideal complement to the Basisrente (Rürup), Riester-Rente and occupational pension (bAV).
Can I access my money before retirement?
Yes. Unlike the first and second pillars, private provision is flexible: you can adjust or pause contributions and, as a rule, access your capital early too.
Is the private pension taxed?
You save out of your net income, so the payout is tax-privileged: with a lifelong pension only a small income share is taxed. The exact treatment depends on the term and the form of payout.
What does “several risks in one contract” mean?
Instead of separate contracts for provision, occupational disability, long-term care and surviving dependants, you bundle them under one roof, coordinated with each other and often with a contribution advantage. You can read more on the Income protection page.
Free & non-binding
Build your own flexible plan.
In our first meeting we look at how much security and how much opportunity suit you, and how provision and protection can be sensibly combined. Honest, easy to understand and without pressure.