Vantik

Double security for your retirement income

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Secure all your deposits made towards your pension while investing for profit. Our efforts to make you retire with profits at low risk can be summarised as two safety nets: A risk-averse fund combined with pension protection.

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Risk-averse fund

The Vantik Fund is invested across many industries all over the world to make it resilient towards individual markets performance.

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Pension protection

Vantik is unique in that we significantly reduce the risk of losing money at the point of your retirement.

Retirement scenarios

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Over time, your savings are expected to grow and bring you profits. All your deposits and profits can be cashed out.

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Economic downturn causes the Vantik Fund to make a loss but your savings retains its worth when backed by the Security Buffer. Your deposits can be cashed out.

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Retire with deposits and profits in an economic upturn

There’s a high chance, you'll retire having made profit from your deposits. For example, if you’ve contributed €10,000 and it’s grown to €20,000. The money you’ve contributed plus the profits can be turned into a retirement income.

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Downturn scenario: Retire with protected deposits

You’ve deposited a total of €10,000 but a recession has caused your savings value to decrease to €6,000. The Buffer aims to reimburse the loss of €4,000. €10,000 can be turned into a retirement income or payed out as a one-time payment.

Important to know about your savings before you retire

Your Vantik account works like a normal bank account in many aspects but there’s an important difference that you as a saver should understand before making deposits.

When you put money in your Vantik account your balance will start fluctuating, on a daily basis. It can decrease as well as increase. Historically this movement has been an upwards trend, and this what makes long term profit possible.

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Definition of Pension Protection

Protection means your losses will be reimbursed in case your investments haven’t made a neutral or positive return when you retire. The reimbursement comes from Vantik’s Buffer and in the extreme event that the Buffer’s resources are depleted, the protection may not cover the full sum of your investments.

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Cost of Pension Protection

Protection costs 1% of each deposit. You only pay once per deposit. For example, if you transfer €100 to your Vantik account, €1 is transferred to the Buffer. €99 goes straight into your invested and accessible savings. The full €100 is under protection when you retire.

Where is the Buffer money kept?

The Security Buffer will in future be kept and managed by an independent foundation, the Vantik Foundation. Until the foundation is established, 1% of your payments will be paid to Vantik as a fee. This we deduct automatically as a "disagio" on your deposits. Vantik will fully transfer these fees to the Vantik Foundation as soon as it has been set up.

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