Investment & Pension Plans

Get informed - Plan - Act

Nest-egg plans are modern, flexible savings and investment solutions that can meet your simple or your complex financial planning goals. Just some of those financial planning goals include the creating a supplementary source of income for your retirement, financing your children’s studies, purchasing properties or even the use of existing capital to achieve higher returns.

Pension planning
pension planning dfadvisors

One of the greatest challenges that most of you will face in the near or distant future –depending on your age– is the income you’ll have to get you through retirement. Will it allow you to maintain the standard of living you enjoyed while you were working? Will it allow you to make dreams and wishes during that period of your life a reality? Will you be able to on those trips you couldn’t possibly have gone on while you were working?

The answer to all those questions can be optimistic “yes” provided that one condition is met. Everyone should assume responsibility for systematically saving money in a disciplined way via a nest-egg plan, with the aim of creating a source of income for the future to complement any state pension. Upon retirement one normally experiences an income shock. The inflow of money suddenly reduces and one suddenly needs to live with much less money, but still meet the same or even greater needs!

If you put in place a pension plan tailored to your needs in good time, retirement can be a truly unforgettable period, just like it deserves to be!

Providing money for your children’s studies

Financing children’s studies is one of the most important economic objectives for any family.

The existence of a pool of money at the start of studies gives you the advantage of being able to select the educational institution, the country and even the duration of studies.

A plan that builds up that pool of money is an ideal ‘gift’; a gift for your child or grandchildren that’s well worth starting early on.

A gift to be enjoyed at the right moment, giving your child the right start needed for their future.

kids studies - dfadvisros
Utilising existing capital

Nest-egg plans are a particularly interesting and attractive way to utilise any accumulated, unused funds sitting in bank accounts that pay almost zero interest rates on the money. Consistently low rates over the years have directed the public’s attention towards investment plans in search of higher returns. Placing part of your funds in investment products allows you, as the investor, to achieve higher returns by combining the following advantages:

  • Access to investment options which, as an individual investor, it would be difficult to have
  • Investment diversification
  • Reduced management costs
  • Liquidity – flexibility
  • Transparency and a strict legal framework

long-term investment

How does nest-egg planning work?

Nest-egg planning is a form of insurance where you, as the insured, determine the amount your wish to systematically set aside every year so that at the end of the plan you can collect the accumulated capital either as a lump sum or in the form of a monthly income. Money can either be placed in guaranteed return plans or in unit-linked investment plans.

What type of plan is suitable for me?

The choice of the right plan or some combination of plans is determined by working in partnership with and under the guidance of specialised certified financial advisors. In selecting a suitable plan, our advisors will look at your investment profile as an insured person, the length of time you want to save for, your goals, and any other investment or financial activities you may engage in.

What amount can I place in nest-egg plans and for how long?

The amount you can place in the specific plans depends on your financial ability and your financial goals (what amount you want to receive when you redeem the plan at maturity and for what purpose). The minimum monthly premium is € 50.

The length of time you save for also depends on your financial goals. The basic principle for ensuring these plans run problem-free and efficiently is to have a long-term horizon, in other words to save for at least 12 to 15 years.


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