Products · After maturity

Reinvestment & payout plans

What happens after maturity: withdrawal planning, managed reinvestment and a structured transfer of wealth.

Experience the platform live →Book a meeting (opens in a new tab)
An older couple hiking side by side through open country.
Trigger
Payout · inheritance · sale
Components
Divestment + reinvestment
Planning
Withdrawal · legacy
Operation
Adviser-led
At a glance

The reinvestment family covers what happens after maturity: flexible withdrawal planning, professionally managed reinvestment and a structured transfer of wealth. It is triggered by a maturing policy, a payout, an inheritance or a liquidity event.

Variations

Two components work together: liquidity and drawdown, family and estate planning.

Divestment

Available today

Structured withdrawal and retirement-income planning with professionally managed remaining assets. The risk profile falls as the horizon shortens.

  • Conservative multi-asset sleeve
  • Cash-flow oriented payout mechanics
  • Regular reviews with the adviser

Reinvestment / wealth transfer

Available today

Reinvestment after an inheritance, a sale or a payout, with a managed account and insurance structures for long-term family planning.

  • Managed-account share for liquidity
  • Insurance wrapper for generational transfer
  • Support from adviser and family office

Costs comprise investment management plus, for the insurance-based sleeve, a partner-dependent wrapper charge. Investment pricing tiers at larger volumes. The specific terms are disclosed during the commercial conversation.

Maturity management

When a policy matures, a conversation starts, not a letter.

A policy maturesThe maturity letter states an amount and a date, nothing more. In the journey, maturity becomes the reason for a conversation: the contract data is known, the options sit side by side, and the customer decides before the money lands uninvested in a current account.
Four options, open-endedPayout, reinvestment in an account, a payout plan or an annuity, in combination too. Which one fits depends on capital needs, payout duration, inheritance and gifts. The comparison shows every option with its consequences for access, risk and tax, and it is allowed to end with the payout.
Advice and record inside the journeyAdvice runs in the same journey that completes the case: self-service, adviser-assisted or in person. Suitability check and advice record are produced inside the process; what was recommended and why is there as a document before the customer decides.
Planned withdrawals and giftsA withdrawal in two years, a gift to a granddaughter on a fixed date, a beneficiary in the event of death: that sits in the plan, not in a note. The payout plan calculates with it, and the adviser sees it at the next conversation.
The four options
  • Payout: the maturity value to the current account, in full or in part
  • Reinvestment in an account: a managed portfolio with a risk profile that falls as the horizon shortens
  • Payout plan: a scheduled monthly withdrawal from the account, the remaining capital stays accessible and inheritable
  • Annuity: a lifelong pension through an insurer, without access to the capital

Which option fits is calculated inside the journey from the customer's own data, with visible assumptions and as a model calculation, not a promise. Example figures therefore belong in the conversation, not on this page.

The principle in motion

Three ways through the payout phase.

End frame: three cards with payout variants, A a 100 per cent payout plan with a gently rising monthly rate to 85, B 30 per cent as a lump sum at retirement and the rest as a payout plan, C 30 per cent into an ETF account that funds a second payout plan from 85, each as a curve over ages 67 to 95; beneath, “every retirement is different” with the chips capital need, payout duration, inheritance, gifts to children and grandchildren, and a footnote on the payout-phase rules.
Illustration, not a forecast
  1. 01Payout phase, flexible

The Altersvorsorgedepot has fixed payout rules: payout from 65 (at the latest 70), a payout plan at least to 85, up to 30% as a lump sum at the start. Payouts are taxed on receipt; on inheritance the subsidy received has to be repaid. Source: BMF FAQ on the private pension reform, 2026. Illustration, not a forecast.

Demo · life insurer, workshop October 2026

A voice adviser for maturing policies

For a life insurer we built a voice adviser as a demo in October 2026: it talks to customers whose policy is about to mature, explains the options, sends a personal link to a page with their figures and walks them through it step by step, through to a payout plan with a planned withdrawal and a gift, or to a video appointment with the adviser, booked in the real calendar. A demo with fictional data under the insurer's brand; advice and record run inside the journey.

Solutions for insurers →
What the demo shows
  • Explains payout, reinvestment, payout plan and annuity in the conversation
  • A personal link to a page with the customer's figures, walked through step by step
  • Planned withdrawal and gift recorded in the payout plan
  • Video appointment with the adviser, booked in the real calendar
  • Identifies itself as AI and hands over to a person at any time
Status and dependencies
  • Withdrawal plans, insurance components, tax treatment and legacy structures must be checked for each customer situation and partner setup.
Keep reading
A slowly turning, desaturated globe with relief coastlines, a few marked nodes and fine connecting lines.

Walk through your use case with us.

  • We show you the modules that matter for your case
  • With Max Bachem, founder & CEO
  • No obligation, no preparation needed
Book a meeting (opens in a new tab)Experience the platform live →
Would you rather ask something first?