Investing your money profitably for your future and protecting it from losses at the same time - that’s the Vantik approach. Our goal is to secure your savings using two layers: a long-term diversified investment approach in the Vanik fund and through our security buffer.
Your depot is secure with our partner DAB BNP Paribas - one of the largest banks in Europe. It is well protected from third-party access.
You always remain in control of your savings. Neither Vantik nor the depot bank can access it at any time.
Whatever happens to Vantik or our partners: your savings are in your name and you maintain possession of all your funds at all times.
The Vantik security buffer protects your savings from losses when you retire. Even though this is not a guarantee it significantly reduces the risk to lose money when you retire.
Under normal circumstances, you can expect your investment to grow over time. In that case you can pay out your savings including your profits as a lump sum or monthly payment when you retire.
Unfortunately, it cannot be ruled out that you retire during a financially turbulent period. Maybe you remember the financial crisis in 2008. In this case, the security buffer aims to protect at least what you paid in.
How exactly does that work? Over the years, you and all other Vantik customers have contributed to the security buffer. The majority of our customers will retire without having to access the security buffer, as their investments have made a nice profit. Those unlucky few, who retire during a financial crisis (i.e. their investment has returned a loss) can now use the accumulated funds of the security buffer paid in by all customers. From this, the unlucky customers can receive compensation payments. As not all customers retire at the same time and we can assume a positive development under normal circumstances the system works in almost all cases. However, it is not an insurance and we cannot guarantee payments from the security buffer. In return it is much cheaper than insurance so that you have more money for your retirement.
What does it mean for me and the savings in my Vantik account?
Retire with deposits and profits in an economic upturn - expected scenario
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.
Retire with protected deposits - unlikely scenario
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 paid 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.
The security buffer was developed in a way, that even if you retire during a financial crisis you should receive at least what you paid in.
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.
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 and will not use the money for any other purpose than the security buffer.