We make retirement saving and investing easy

Your financial needs are diverse – both now and later, when you’re no longer working.
We’ll help you make the most of your money now to get the best out of it later.


  • Different solutions for retirement savings
  • Take advantage of cash subsidies, tax breaks and scientifically sound investment strategies
  • Digital and transparent tools that put you in control

We are on a mission …


… to empower everyone who wants to take their future into their own hands.

We believe that, in the near future, everyone will be in charge of their retirement savings. Either by optimizing their current plan or by choosing a standard plan that fits their needs.

We don’t tell you what’s right for you. We present solutions that you can challenge. Our products are easy to understand, take advantage of cash subsidies and tax breaks and follow scientifically sound investment. In the end, the decision is yours.

Cockpit


We always seek to play a pioneering role. Our cockpit represents the state of the art in Germany when it comes to retirement planning and investing. With the cockpit you:

  • Know the future amount of your statutory pension
  • Determine your personal financial goals and optimize your retirement savings accordingly
  • Monitor the growth of your assets and access your portfolio composition and transaction history
  • Adjust your saving rates, make changes in your portfolio or even cash out the money when you need it

Our solutions


With fairr.de you have different options to save for retirement.

  • Unit-linked annuity insurance / life insurance policy
  • A portion of your income goes towards a retirement plan (“deferred compensation”)
  • Your employer contributes to the plan as well: 15% or more of your contributions
  • Savings are invested in a portfolio of low-cost index funds

When leaving the company


You can take the contract to a new employer or continue it privately

– or –

Receive a monthly pension once you reach retirement age

Go to fairrbav

– At this time German only –

“Under German law every employee is entitled to a corporate pension plan offered by the employer.”

  • Fund-linked plan for employees who pay social security
  • Decide later if you want to receive a monthly pension or cash out the money
  • Savings are invested in a portfolio of low-cost index funds

Benefits


Annual cash subsidies and tax breaks from the state

Guaranteed annuity from the start

Wealth management with life-cycle investment

Effective reduction in yield: ca. 0.9%

Go to fairriester

– At this time German only –

“fairriester combines the advantages of scientifically sound investment strategies and optimal support from the state.”

  • Fund-linked plan for professionals, self-employed and high-earners wishing to shield more income from tax
  • Receive a monthly pension once you retire

Benefits


Annual tax breaks from the state

Guaranteed annuity from the start

You select portfolio and asset allocation of where your savings will be invested

Effective reduction in yield: ca. 0.75%

Go to fairrürup

– At this time German only–

“With fairrürup get the most out of individual portfolio investments and tax breaks.”