A smarter way to

Protect your
employees future

Give your employees the ultimate incentive: financial security when they retire. Easy onboarding and low maintenance for employers. Complete flexibility and low member fees for employees.

Reap the rewards of a smart multi-employer pension scheme

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Real tax benefits

See real savings on taxable income for both you and your employees when you join a LifeGoals’ risk-adjusted pension plan.

World-class service for €2/month

Our member pool is growing daily. This means we can afford to deliver professional fiduciary services, and world-class custody and investment management services for as little as €2 per member per month.

Complete personalization

Enjoy complete freedom to structure and shape your pension scheme to fit your company’s unique pension requirements. Talk to us for whitelabeling options.

Loyal employees

It’s a fact. When they know you care enough to invest in them, your employees will invest in the future of your company.

A digital-first experience

Our interactive online pension planning dashboard puts all your tools in one easy-to-access place so administrators and members can view and manage every aspect of their pension from any device, anywhere, anytime.

Expertise and values

Partnering with asset management leaders like BlackRock and world-class financial custodians like Clearstream lets us bring you the highest quality turn-key investment management services on the market.

But what our members value most about us isn’t the numbers. It’s knowing that we’re fully committed to helping them plan for a comfortable retirement where they can enjoy the same high quality of life as they did in their working years.

The ultimate pension planning tool for your team

Let your employees discover the power of smart pension planning themselves. The LifeGoals Dynamic Investment Calculator shows prospective members exactly what’s possible with their LifeGoals pension plans.
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Monthly Deposit
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* Assuming annualised returns since 01/01/2014

Retirement plans your employees can count on

Higher quality of life

Social insurance covers about half the average employee’s post-retirement needs. A LifeGoals pension ensures your employees will enjoy the quality of life they’re used to when they retire.

Total transparency and flexibility

Members have complete control over their personal contributions and investment strategy, and can monitor their net asset value and performance daily online. Changing plans is easy and free. New employees can transfer funds from existing pension schemes with a click.

Low risk, optimized returns

We invest our portfolios in over 16,500 instruments spread out over 100 countries. That level of global diversification means your employees’ money is safe. It also means that whatever members put in goes further, maximizing returns.

Competitive pricing, no hidden fees

LifeGoals offers a transparent, flexible and competitive pricing policy so that members know exactly what and how much they are paying. Members are charged a flat administration fee of €2.00 per month. The investment management fee amounts to 0.06% per month.

There is no investment management fee for participating in the savings portfolios.

The charge for companies with assets under management over €5 mil. amounts to €0.50 per member per month.

Loans

LifeGoals members can borrow against their account balance to take out home, medical or student loans. The online loan application process is simple and takes 10 working days. As soon as their loan is issued, members can keep track of their repayment schedule via their LifeGoals dashboard.

Insurance benefits

All LifeGoals plans come with a €3,000 life insurance policy from MetLife at no extra cost.

Members can upgrade life coverage to €500,000 (max) at preferential rates, and add benefits like Total and/or Partial Permanent Disability and Accidental Death. Member spouses can also purchase up to €200,000 of coverage at the same rates.

Members can also get insurance coverage for 32 Critical Illnesses for up to €50,000, with lump sum payment one month following diagnosis. The lump sum is not related with medical expenses and the payment may be used by the insured person as they see fit without any limitations or controls.

My LifeGoals Benefits

My LifeGoals Benefits is a membership-based program provided by the Curis Network that provides additional health benefits for LifeGoals members. All LifeGoals plan members are automatically covered by the MyLifeGoals Bronze benefits program at no cost. Upgrading to the Silver, Gold or Platinum program is totally optional.

Higher quality of life

Social insurance covers about half the average employee’s post-retirement needs. A LifeGoals pension ensures your employees will enjoy the quality of life they’re used to when they retire.

Total transparency and flexibility

Members have complete control over their personal contributions and investment strategy, and can monitor their net asset value and performance daily online. Changing plans is easy and free. New employees can transfer funds from existing pension schemes with a click.

Low risk, optimized returns

We invest our portfolios in over 16,500 instruments spread out over 100 countries. That level of global diversification means your employees’ money is safe. It also means that whatever members put in goes further, maximizing returns.

Competitive pricing, no hidden fees

LifeGoals offers a transparent, flexible and competitive pricing policy so that members know exactly what and how much they are paying. Members are charged a flat administration fee of €2.00 per month. The investment management fee amounts to 0.06% per month.

There is no investment management fee for participating in the savings portfolios.

The charge for companies with assets under management over €5 mil. amounts to €0.50 per member per month.

Loans

LifeGoals members can borrow against their account balance to take out home, medical or student loans. The online loan application process is simple and takes 10 working days. As soon as their loan is issued, members can keep track of their repayment schedule via their LifeGoals dashboard.

Insurance benefits

All LifeGoals plans come with a €3,000 life insurance policy from MetLife at no extra cost.

Members can upgrade life coverage to €500,000 (max) at preferential rates, and add benefits like Total and/or Partial Permanent Disability and Accidental Death. Member spouses can also purchase up to €200,000 of coverage at the same rates.

Members can also get insurance coverage for 32 Critical Illnesses for up to €50,000, with lump sum payment one month following diagnosis. The lump sum is not related with medical expenses and the payment may be used by the insured person as they see fit without any limitations or controls.

My LifeGoals Benefits

My LifeGoals Benefits is a membership-based program provided by the Curis Network that provides additional health benefits for LifeGoals members. All LifeGoals plan members are automatically covered by the MyLifeGoals Bronze benefits program at no cost. Upgrading to the Silver, Gold or Platinum program is totally optional.

One dashboard for everything

Performance updates

Get real-time updates on plan performance.

Financial planning

Interactive projection of each Member’s estimated benefit at retirement based on age, expected retirement, contributions and current investment strategy.

Loans

Apply for a new loan, or monitor your current balance and repayments.

Life insurance

Purchase additional insurance coverage.

My LifeGoals Benefits

MyLifeGoals® benefits program is a health management and support membership based program that is available to all LifeGoals members.

My account

View detailed account statements, full transaction histories and account composition drill-downs.

My profile

Update your personal information.

Member Onboarding

Onboard new members in a few clicks. Keep track of new, current and past members in one place.

Add contributions

Pay in monthly contributions and loan instalments in full GDPR compliance without compromising confidential employee data.

Add tranfer in

Transfer funds in from existing retirement plans.

Company profile and access

View your company information. Manage user access permissions and group-level company access for multiple companies.

Reports

Download account statements and member activity reports.

Notifications

Get all your important notifications in one place: onboarding, off-boarding, new loans, employee contribution changes, and more.

Statistics

View member portfolio selections, loans, average account sizes and assets under management.

With any investment, your capital is at risk. Depending on the risk that you choose to take, the value of your portfolio with Emergo Wealth can go down as well as up and you may get back less than you invest. Risk is an unavoidable component of investing. Past performance is no guarantee of future results nor is it necessarily indicative of future performance. If you are in doubt about whether an investment is suitable for you, please contact us.