Why LifeGoals for Work is for you

LifeGoals is a Cyprus registered multi-employer defined contribution provident fund designed to address the retirement savings requirements of all employees. LifeGoals members benefit from the full income tax benefits provided by the Inland Revenue legislation, economies of scale, technological infrastructure and unparallel transparency through a 24/7 online portal. From our risked-based globally diversified retirement plans to life insurance and healthcare concierge, you can count on LifeGoals to help you secure your future.

Financial Technology.

LifeGoals offers both members and employers with a custom-built online platform, providing 24/7 access to their accounts, contributions and investment portfolios. The LifeGoals Member Portal is a state of the art multilingual, mobile and tablet-friendly, and meets the highest GDPR compliant security standards for the protection of the Members’ personal information.

Retirement Plans.

LifeGoals provides each member with the flexibility to choose among six risk-based retirement plans, from Savings to Growth or even set part of their funds in cash. Global diversification ensures that the portfolios are shielded from any geography or asset class related risks. Members may view their net asset value daily online, monitor the performance, change their investment choice on a weekly basis at no cost.

Security.

Managing a Provident Fund, in the current regulatory framework, is complex and demanding. Delegating to the LifeGoals team of experts, provides for the holistic governance and administration, allowing employers to focus on their core business. The safety of assets is guaranteed by reputable international custodians (Clearstream), regardless of the Employer, Manager or other service providers status. A robust technological infrastructure minimises human intervention enhancing safety and transparency.

Loans.

Members may borrow against their account balance for the purposes provided in the applicable legislation (housing, medical or studies) and keep track of the repayment schedule online. The loan application process is streamlined to save you and your Employer valuable resources and precious time. Members may apply for a loan online and the loan assessment procedure is completed within 10 working days.

Life Insurance.

Your plan comes with a €3,000 life insurance policy without any cost which you may upgrade at preferential group rates. The plan, provided by MetLife, offers the opportunity to members to upgrade their life coverage up to €300,000 and add benefits such as Total and/or Partial Permanent Disability and Accidental Death. The plan is also available to the spouses of the members to acquire coverage up to €100,000 at the same rates.

Health Services.

MyLifeGoals Benefits is a membership-based program, provided by the Curis Network, that actively contributes towards the prevention of health-related issues to better manage and possibly improve the health of its members. All Members are automatically covered by the MyLifeGoals Bronze benefits program at no cost, while they may choose to up-grade to the Silver, Gold or Platinum pack-age based on their personal needs.

Cost & Tax Efficiency.

Being a multi-employer fund, LifeGoals’ operational cost is shared among a much larger number of members, creating the economies of scale necessary for acquiring professional fiduciary services, world class custody and investment management services, for as little as €2 per member per month. LifeGoals carries all tax related advantages for both the participating employers and employees. Depending on how much you earn, you can benefit from tax savings of up to 35% of your taxable income.

Easy Sign-up.

LifeGoals is designed for companies of any size and sector of activity. Signing up to LifeGoals is hassle-fee both for the Employer and the Employee. Employers join by simply signing a Participation Agreement, while members can sign up online in a few steps. Existing provident funds can be transferred into LifeGoals at no cost or unnecessary delay. Whether transferring in or just starting, you may begin contributing to LifeGoals within one week.

LifeGoals

FinTech

Retirement
Plans

Security

Loans

Life
Insurance

Health
Services

Cost & Tax

Easy
Sign-up

Employers

Employer portal providing administrative access to member accounts in the most secure way.

Employees

24/7 online access and detailed view of your account

LifeGoals Retirement

Participating Employers and Members

LifeGoals is always growing

LifeGoals for Work

Choose a retirement plan that meets your needs