Tax-free payout
With the prämienbegünstigte Zukunftsvorsorge, the payout in retirement is free of tax.
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§28MaklerG best advice
GISAlicensed insurance broker
Old age is not a threat. Badly prepared old age is.
Anyone who came to Austria and started working here often has their first Austrian pension contribution months at 30, 35 or 40. A full state pension under Austrian law requires 45 insured years — and for many in the diaspora that is simply not reachable arithmetically.
Private retirement provision is not a luxury, it is a correction. It supplements the state pension, it is tax-favoured through the prämienbegünstigte Zukunftsvorsorge (the state-subsidised retirement plan), and it pays a monthly income for life. We do the maths with you honestly: what the ASVG will pay later, what the gap is, and what you need to invest each month today.
The best time to plant a tree was twenty years ago. The second best is today.
What you get with Wenexus.
Six promises we are happy to be measured against.
State subsidy
Currently a 4.25% bonus on what you pay in — your capital grows from day one.
An income for life
A monthly payment for the rest of your life — or a lump sum. You decide.
Inheritable
If you die before the payout phase begins, the capital goes to your heirs.
Flexible contributions
From 30 €/month. Increase, reduce or pause them — it adapts to your life.
ASVG gap analysis
We obtain your pension account statement and calculate honestly what else you need.
Three routes, three prices. One conversation.
We recommend the plan that fits your life — not the most expensive one.
Classic
from50€/month
- Included: An income for life
- Included: Guaranteed minimum benefit
- Included: Conservative portfolio
- Included: Flexible contributions
- Not included: ETF component
- Not included: Investment advice
Dynamic
Recommendedfrom100€/month
- Included: Everything in Classic
- Included: ETF component up to 50%
- Included: Higher expected return
- Included: Quarterly reports
- Included: Annual tax optimisation
- Not included: Private banking advice
Premium
from250€/month
- Included: Everything in Dynamic
- Included: ETF component up to 80%
- Included: Private banking advice
- Included: Estate planning included
- Included: Pension account coaching
- Included: Lifelong advice in DE/UA/RU
The exact premium depends on your age, your region, the insured object and your claims history. We will send you a PDF comparing the three best options — with no obligation to buy.
Four steps. In person. In your language.
Needs analysis
A 30-minute conversation — in German, Ukrainian or Russian. We understand your situation before we open a single plan.
Market comparison
We compare 15+ insurers on the scope of cover, the Selbstbehalt (deductible) and how they actually settle claims — not just on the premium.
Signing
You sign digitally or in our office. We take care of cancelling your old policy.
When you claim
We call the insurer. We translate. We represent you. That is best advice under §28 MaklerG.
Your plan. Within 24 hours. On a single page.
We compare 15+ insurers and send you a PDF — the three best options, honestly compared.
- A personal needs analysis — no bots
- A comparison of 15+ insurers
- A clear plan comparison on one page
- Advice in DE, UA, RU or EN
Voices from the diaspora.
„I came to Vienna at 47. Wenexus showed me that I have to pay in 180 € a month to reach a private pension of 1,400 € at 67. For the first time I have a number I can plan with.“
„For 18 years I was certain my pension would be enough. One hour with Dmytro — and I knew it would not be. We started in time.“
„I wanted to know whether my 16 years in Kharkiv counted. Wenexus clarified it with the pension authority, gave it to me in writing — and then closed the gap with a subsidised plan.“
Answers in a language you understand.
Simplified: average earnings × insured years × 1.78% per year. At 45 years that is roughly 80% of your average earnings. With only 25 Austrian years — typical if you migrated after 40 — around 45%, which leaves a hard gap.
A state-subsidised form of private retirement provision. Contributions of up to around 3,260 € a year are rewarded with a 4.25% state bonus. The payout in retirement is tax-free, provided the minimum term is respected.
There are bilateral agreements — working years can be taken into account in part, though they are assessed under Austrian rules. We help with the application for recognition through the pension authority.
With the PZV: after a minimum term of 10 years, and at the earliest from your 41st birthday, so if you start paying in at 31. With classic fund-linked policies: often after 12 years, but then with tax consequences.
With the PZV: the capital saved goes to the heirs named in your contract — usually your spouse and children. With classic policies: the same rule, often with an additional survivors' benefit.
Yes. You can increase, reduce or pause them for up to 5 years. The contract continues and the capital saved keeps earning. Important for families, for the self-employed and for migration biographies.
You have begun to live a new life. Do not forget that old age will be new too.
An hour with us — your pension account statement, an honest gap analysis, three possible routes. In your language.
Free consultation · No obligation