Freedom in later life is a decision. Yours.

Our security promises apply equally to all our portfolios. In particular, this means that the money you invest constitutes ring-fenced assets (Sondervermögen). Your securities are therefore protected against the insolvency of quirion or Quirin Privatbank and remain your property at all times.

Important: with quirion, you can access your money at any time; you can close your investment account within a few days with no disadvantages. That's a major advantage over traditional life insurance, Riester pensions or building-savings contracts – for example, if you want to buy a property with your retirement provision assets. Another advantage: because we do without expensive insurance solutions and asset guarantees, we can offer you our investment product extremely cost-effectively. That then means more return opportunity for you.

Unfortunately, it is foreseeable that for many people the state pension will not be enough to maintain their standard of living in the future. Alongside occupational pensions, it is therefore important that you also make private provision. And ideally as early as possible! Because that way, in your younger years, you still have the option of choosing a more risk-oriented strategy with the chance of a higher return. Later on, you can then choose a more conservative strategy to generate returns that are as stable as possible.

Yes, if – as with quirion – you track as much of the global market as possible. Many people invest in specialised products for their private retirement provision. Yet these are often very expensive. Retirement provision with quirion works differently from conventional provision products: with quirion there are no set-up or distribution costs, but instead a cost-effective digital investment with which you can secure the return opportunities of the international capital markets.

Yes, you can cancel your strategy at any time without any hassle. We then sell your securities and transfer the proceeds to you within a few days. Closing your account and selling the securities are free of charge for you.

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