Modern retirement planning – individual, cost-efficient, predictable

Modern retirement planning with equity funds – evidence-based, diversified, cost-efficient

Our recommendations follow an evidence-based, rules-based approach: we rely on broad market indices and systematic tilts towards scientifically well-documented risk premiums (e.g. company size, valuation, profitability). This way, you capture expected excess returns not through gut feeling, but in a structured and disciplined way. Practical implementation and cost control are key: consistent rebalancing, careful order and liquidity management, low total costs and – where appropriate – tax-efficient structures. Regular review meetings ensure that you have a dedicated point of contact and that we carefully adapt your portfolio to your life situation and goals. If you wish, you can integrate your own ETFs; switches are flexibly possible within the chosen structure. You also gain access to institutional share classes of rules-based funds on favourable terms that are often not available in a conventional private portfolio.

Around ten years before your planned retirement, we gradually reduce risk and shift parts of your assets into high-quality bonds to dampen fluctuations and stabilise your ability to draw an income. When retirement begins, you remain flexible: predictable withdrawal plans as a monthly supplementary pension, partial withdrawals with the remaining capital still invested, or a full payout – each tailored to your liquidity, taxes and need for security.