European Pension

Secure a good pension regardless of where your career takes you.

What is a European Pension (Pepp)?

A pan-European Personal Pension Product, known as PEPP, is a simple and cheap investment savings plan for retirement under EU rules. This pension product is equally valid in EU Nations and can be contributed to by you or your employer, regardless of which country you work in.

Retirement savings

Uniform EU rules

Investing in ETFs

Employer contributions

Fee of only 0.6% p.a.

Tax-advantaged

Who is the European Pension suitable for?

Anyone who cares about their future and seeks a well-lived retirement. The European Pension is particularly interesting for people who plan to spend their careers outside their nation, freelancers, self-employed, and employees of multinational corporations or companies preferring PEPP to local pension pillars (e.g., 3rd pillar). The PEPP is not tied to employment status, it is individual and available to each person living in the European Union. With few exceptions, savings from the PEPP cannot be drawn before retirement age. Read more in our blog.

Easy Transfer

One pension everywhere

Save for your pension no matter which EU country you currently work in. You'll start investing dynamically, and we'll automatically reduce your investment risk in the period before retirement. After retiring, you'll get the amount you've saved in a lump sum or by phased drawdown each month, subject to certain conditions.

A Higher Pension

Thanks to Moventum portfolios

Secure a higher pension by investing in stocks of the largest and most successful companies and bonds from around the world via index ETFs. Take advantage of Moventum 's intelligent investing combined with the benefits and rules of a European pension. You'll conclude the contract entirely online, and your saving progress will always be available for a check via a smartphone.

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Low Costs

Only 0.6% + VAT p.a.

We've kept charges to a minimum, well below the limits of the pan-European Personal Pension Product (PEPP). The European Pension by Moventum costs only 0.6% per year + VAT. You pay no other fees, enabling your pension savings to grow faster.

Increased security

Moventum reduces risk with a properly allocated portfolio, broad ETF diversification, and automated rebalancing. The European Pension adds an extra element of risk mitigation - a lifecycle strategy. 10 years before retirement, a part of the portfolio is gradually shifted into conservative bonds. This way, your wealth gets less vulnerable to stock market fluctuations while its value continues to grow, even in the payout phase of your pension. PEPP removes local political risks, such as government intervention in the 2nd pillar and 3rd pillar. It brings uniform conditions across the EU. Providers are under the control of national regulators and the European Insurance and Occupational Pensions Authority (EIOPA).

3rd Pillar VS. European Pension

Uniform European PEPP rules ensure standardization of basic product features such as transparency requirements, investment rules, right to switch, and type of investment options. National legislation determines the conditions for savings and payouts. The European oversight of the product prevents it from being canceled, restricted on portability, or priced excessively at the initiative of national governments.

Lower charges (only 0.6% p.a. + VAT)

Interesting appreciation in the payout phase as well

Higher returns

Legislative certainty - European rules

High fees (1.2% p.a. + up to 10% of return)

Payout phase with minimal appreciation

Unportable between EU countries

Local political risk (legislative changes)

European Pension Under the Microscope

European pension benefits are taxable. A drawdown of PEPP savings is possible at retirement age and Moventum provides two options: a lump sum and a phased drawdown (annuity). The saver's contributions up to a maximum of €180 reduce the tax base. The wealth in the PEPP can be inherited. Take a look at the PEPP key information document for the 100/60 or 80/60 strategy, which is guaranteed to answer most of your questions.

European Pension as an Employee Benefit?

A PEPP is an attractive form of employee benefit for all responsible employers who care about their employees' future. It is an alternative to the 3rd pillar thanks to its lower costs, more attractive payout phase, European framework, potential returns, and legislative certainty. Combined with its flexibility and simplicity, it will charm every employee.

Enjoy a European pension

with a reliable digital asset manager and the first PEPP provider in Europe.

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DO YOU HAVE FURTHER QUESTIONS?

You can open an account in Moventum simply and conveniently online. Click on Let’s start on the top menu bar. You will get to the registration, in which you can select the goal of the investing (product) and answer a few questions about the intended investment and your profile, based on which we will choose a suitable investment strategy for you. You will then create online access, biometrically verify your identity, provide personal information, verify contact details, and sign a portfolio management agreement online. Afterward, nothing will be stopping you from building your wealth effectively.

Moventum began its operations in 2002 in Luxembourg as a fully licensed financial services company with a branch in Germany; in 2007 the company opened an office in Austria. It offers EU investors streamlined processes and a full range of services, including access to institutional investment funds, extensive back-office support and marketing and asset allocation tools. Approximately 1,850 investment consultants serving over 440,000 investors representing over 3.5 billion euros in assets under administration.

We only earn through a performance fee (8-18% of profit). Market profits are obviously important, so we only charge them to profits. No hidden costs. No transaction and rebalancing fees. No account maintenance or execution fees. Transparent and clearly defined portfolio and management rules. You can find the complete price list of our services on the about us section.

Moventum offers several discounts, thanks to which you can make your investment with us even more profitable. We regularly bring clients various special offers, but we also provide several permanent discounts, thanks to which you can exempt part of your assets from the portfolio management fee.

All frequently asked questions