Life & Financial Planning
Retirement Planning
Retirement planning is about building additional income for the years after your active working life.
What is it?
These are long-term saving or investment solutions designed to supplement the income that will come from a state or occupational pension. The aim is to bridge the gap between the income you expect and the standard of living you wish to maintain. The form, duration and level of contribution are agreed individually with each person.
Who is it for?
It is relevant to employees who want to supplement their state or occupational pension fund, self-employed people and freelancers without an organised pension scheme, and people in mid-career reviewing their financial planning ahead of retirement.
When might you need it?
You become self-employed and are no longer part of an occupational pension fund.
You approach mid-career and want to assess whether your expected income will be sufficient.
You change employer and the new pension scheme differs from the previous one.
You want to maintain a specific standard of living after you retire.
You have had transitional working years in different countries and want to consolidate your planning.
These are illustrative circumstances, not a description of policy terms, conditions or exclusions.
Why review this cover?
The gap between expected retirement income and actual living needs often only becomes apparent later in life, when options are more limited. An early and regular review helps identify that gap while there is still time to address it.
The Vesta approach
Understand first, then solutions.
Before proposing any scheme, we want to understand your current employment and pension position, your expected income and the standard of living you want to maintain. We then look at how a realistic plan could be structured around that gap.
The Vesta approach
The Advantages of Retirement Planning
Sound retirement planning is not only about saving. It is about building financial capital that can give you more choices, independence and financial security once your active working life comes to an end.
Systematic capital building
Systematic saving over time can help gradually build capital for the years after your active professional life.
Additional income in retirement
You create an additional financial resource for the future, so your standard of living does not depend solely on a state or occupational pension.
Long-term financial planning
Early planning allows you to gradually organize the capital you may need, based on the time you have until retirement and your personal goals.
Flexibility of options
Depending on the plan selected, there may be different options regarding contributions, time horizon and how the capital is used.
Investment options
Some plans can combine long-term saving with investment options, depending on the client’s investment profile and time horizon.
Possible tax advantages
Depending on the type of plan and the tax legislation in force, tax benefits may be available, subject to the applicable conditions and limits.
Maintaining your standard of living
The right planning can help you prepare financially for life after work and maintain greater financial independence.
Next step
Let's look at your circumstances.
Tell us how things work in practice and we will explain what is worth reviewing before any solution is discussed.
Prefer to speak with us?
If you would rather talk it through, tell us a little about your business and we will come back to you. No lengthy forms at this stage.