A smarter way to

Plan your Retirement

Want to be in charge of your retirement savings?
LifeGoals PEPP plans give you the freedom you want and the control you need when it comes to retirement.

What is a PEPP?

PEPP stands for Pan-European Personal Pension Product.

PEPP is a savings plan for people living in the European Union designed to help them save extra money for retirement. It's a voluntary plan that is safe, cost-efficient, and complementary to the national statutory or occupational pension schemes of the EU Member States.

It's also transferable Union-wide, making it easier for people to move their retirement savings if they relocate either during working years or retirement.

Who is it for?

The PEPP is a long-term investment plan for Europeans looking to save for their retirement whether they're self-employed, on maternity leave, traditionally employed or unemployed.

Curious about the LifeGoals Group PEPP? Click here

EU citizens
The self-employed
Young professionals
Mobile workers
No employer plans

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The LifeGoals PEPP is a regulated product to be offered by LifeGoals Financial Services Limited subject to approval by the Cyprus Securities and Exchange Commission. The materials and information on this section of the website have been prepared or assembled by LifeGoals Financial Services Limited and are intended for informational and/or promotional purposes only. If you wish to re-ceive updates about the product please subscribe to our newsletter.

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How is the PEPP Regulated?

The PEPP is developed according to the European Regulation (EU) 2019/1238 and regulated by the European Insurance and Occupational Pensions Authority (EIOPA).

At a national level, the PEPP is regulated by the national competent authorities of each Member State. The LifeGoals PEPP is under the supervision of the Cyprus Securities and Exchange Commission.

What about Tax Treatment?

The tax treatment of the PEPP is subject to the rules and regulations on how pension contributions, investment returns, and withdrawals are taxed ate each EU Member State.

In Cyprus, savers’ contributions into the PEPP and the payment of the accumulated funds at retirement are tax deductible.

What is the Basic PEPP?

The Basic PEPP is the default investment option offered to PEPP savers, which is designed as a safe, low-risk investment option aiming to preserve the saver’s capital, while providing the potential for modest investment returns over the long term.

The LifeGoals Basic PEPP is developed on sound risk-mitigation techniques and ‘Life-Cycling’; where the investment allocation is gradually adapted during the PEPP saver’s life spectrum, lowering the investment risk as the PEPP Saver approaches retirement.

What is the cost?

The LifeGoals Basic PEPP is subject to a regulatory cost cap of 1% of the accumulated capital per annum, making it an affordable and accessible retirement savings option for all EU citizens.

What about ESG factors?

LifeGoals supports the growing demand for socially responsible investments, enabling the PEPP savers to align their retirement savings with their personal values and beliefs. The LifeGoals PEPP strategically invests in companies and assets that prioritise environmental protection, social responsibility, and good corporate governance practices.

How transparent is the PEPP?

The LifeGoals PEPP strives to provide transparency to its users by providing clear, easy-to-understand information about the product, its fees, risks, and potential returns, all through the LifeGoals online platform.

How can the PEPP be an employee benefit?

The Lifegoals Group PEPP can be offered as a cost-effective workplace pension scheme under which the employer can make contributions on behalf of the employee, as a benefit or incentive. Employees can also make additional contributions from their salaries.

LifeGoals Group PEPP

The Workplace Pension of the Future

Diversified and Flexible

A game-changing solution for pension plans. This pension program offers flexibility, ownership, and alternative arrangements to fuel financial dreams.

Effortless Contributions

Employees effortlessly contribute a portion of their salary, while employers can also make contributions to help their employees to secure their retirement.

Personalised Risk

Employees can tailor their risk levels for a personalized path to prosperity. Get ready to unlock an extraordinary future with LifeGoals Group PEPP!

RISK WARNING - With any investment, your capital is at risk. Depending on the risk that you choose to take, the value of your portfolio with LifeGoals Financial Services Limited 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.