Private Pensions with a System
The most common option is a classic retirement savings account, which usually offers a marginally higher interest rate than a normal savings account. However, the second option for saving for retirement is becoming increasingly popular: a securities solution. Especially in the current low-interest environment, securities offer a significantly higher long-term return potential than a retirement savings account. The higher the proportion of equities, the higher the expected long-term return.
However, this not only increases the expected returns, but also the investment risks - in other words, your pension capital may be subject to short-term fluctuations. These fluctuations should not prevent you from choosing a securities solution. On the one hand, they can be smoothed out thanks to the long investment horizon until retirement and regular payments. On the other hand, investment risks can be significantly reduced with a risk-optimized and sustainable approach.
The OLZ Minimum Risk Portfolio allows you not only to minimize risks, but also to hold a higher share of equities for a given risk profile and thus to benefit from the long-term excess return of equities over bonds. A mandate with the chosen options and an annual deposit of #{annualDeposit} will achieve an expected asset value of #{olzExpectedAssets} by the time of retirement. With a normal savings account, we can expect an asset value of #{accountAssets}.
High or low deposits, long or short investment horizon, securities or an account, more or fewer equities? You can now simulate the effects of these decisions on your individual retirement capital conveniently with our retirement calculator.