The Perfect Retirement Portfolio: Ideal Structuring for Financial Security
This guide refers to German law and the German tax system. It is a translation of our German original and does not replace individual tax or legal advice.
If you want to structure your retirement provision optimally, you should look closely at securities accounts (Depots) and forms of investment – especially if you are a high earner and do not want to deal with the details of your investment on an ongoing basis yourself. Many investors are dissatisfied with the advice they receive from banks or wealth advisers and are looking for alternatives that offer better returns and greater transparency. This is where the perfect portfolio comes in: it combines the right investment strategy with efficient tax optimisation to ensure the best possible retirement provision in the long term.
One model that is particularly highlighted in this context is the so-called "World Inc." (Welt AG), a broadly diversified portfolio combined with the right choice of custodian. Custodians have a greater influence on overall performance than many investors think. In addition, ETFs play a central role in retirement provision, as they offer tax advantages cost-effectively and efficiently. As an independent adviser, we help you structure and manage your portfolio optimally. This means you are not tied to the in-house products of various banks and benefit from an investment strategy tailored to your financial goals.
World Inc.: the perfect portfolio for your retirement provision
A proven investment strategy for retirement provision is the "World Inc." concept explained at the outset. It involves investing in a globally diversified mix of equities and other securities. The aim of this strategy is to minimise risk by relying on a large number of global companies. At the same time, it seeks continuous growth in value that delivers stable returns for retirement provision in the long term.
A key component of this strategy is ETFs, which are popular with many investors as cost-effective and transparent investment products. The choice of the right custodian for the portfolio is often underestimated. It influences not only the costs, but also the tax treatment of gains. Investors should definitely consult an independent adviser here to ensure that they choose the best possible solution for their retirement provision. With our network of tax, finance and investment advisers, we offer our clients valuable support in this area for developing and protecting their wealth.
Insurance wrapper or securities account – which is better?
Another model that is often neglected in retirement provision is the insurance wrapper (Policenmantel). Unlike the classic securities account, the insurance wrapper offers considerable tax advantages, particularly with regard to gifts and inheritances. Gains that are 100% subject to flat-rate withholding tax (Abgeltungsteuer) in a securities account can be transferred tax-free in an insurance wrapper when the holder dies. If the holder is still alive at maturity, only 50% of the returns have to be taxed – and at a lower personal tax rate.
The insurance wrapper therefore offers enormous advantages, particularly for affluent private investors, which can pay off as part of retirement provision or when transferring wealth to relatives. At Neo Capital, we show you how, with the same investment strategy, you can get more out of your financial investments by using an insurance wrapper – legally, transparently and making use of all tax options.
Neo Capital: your partner for optimal portfolio structuring
Neo Capital supports investors in developing a tailored investment strategy for their retirement provision. Through independent advice and access to analyses and trend assessments, as well as a broad network of specialised custodians, an optimal portfolio structure is created. In doing so, we make sure not only to maximise returns, but also to make optimal use of tax advantages – whether by using an insurance wrapper or through the right choice of custodian.
Are you interested in advice on and the structuring of a tailored, tax-optimised investment structure? Our strengths lie in developing data-driven investment strategies, personal support and access to exclusive asset management solutions. Now is the right time to take action: the earlier you take care of the optimal structure of your retirement provision, the more you can benefit from the tax advantages and the growth in value.