A product designed for retirement investing.
Long-Term Investment Product (DIP)
ONLY AT ATRIS WITH A +1% BONUS
“Tell us the standard of living you want in retirement, and we’ll arrange it for you.”
Who is it most suitable for?
Benefits of the ATRIS Retirement Annuity
Ivo Chromčák
key account manager
+420 732 189 857
chromcak@atrisinvest.cz
Calculate your ATRIS Retirement Annuity
ukázková modelace se zhodnocením fondu 6 %, bez vstupního poplatku*
Calculate your ATRIS Retirement Annuity
sample model with fund appreciation of 6%, no entry fee*
Questions and answers
Why should we invest in a DIP?
It is a state-supported product that allows for more efficient investing with higher returns and, depending on the client’s circumstances, significant tax advantages to ensure security in old age.
How long is it necessary to save within a DIP and when can these funds be used?
To utilize tax relief within a DIP, money must be saved for at least 10 years and can only be accessed at the age of 60. However, there are situations where previously granted tax benefits may have to be returned.
What tax benefits does a DIP provide?
A DIP allows for a reduction of the tax base by up to CZK 48,000 per year, which can result in income tax savings of up to CZK 7,200 per year. Furthermore, after a certain period, you can avoid tax on returns and utilize tax-exempt employer contributions of up to CZK 50,000 per year.
Can I start investing within a DIP using existing funds?
Yes, within a DIP, you can start investing with both new and existing funds. Transferred funds will be counted toward the ten-year period from the establishment of the DIP.
Why is it important to save for retirement?
Given the demographic changes and financial challenges of the state pension system, it is important to think about the future and save for retirement to ensure sufficient financial resources in old age.
Starting to save for retirement at a young age allows you to take advantage of the compound interest effect and invest in higher-yielding products with a longer horizon, reducing the need to set aside larger amounts later in life.
Is it possible to have multiple DIP contracts simultaneously?
Yes, it is possible to enter into multiple DIP contracts with different providers. However, the total annual tax relief for all products must not exceed CZK 48,000.
Can a DIP be transferred to another provider?
Transfer to another provider is possible without interrupting the duration period (120/60 conditions).
Is it possible to transfer funds from pension savings to a DIP?
Transferring funds from pension savings to a DIP would require terminating the original contract and establishing a new DIP contract, which would result in the return of state support. However, with pension savings, it is possible to retain the funds without further appreciation.
Is partial early withdrawal of funds permitted?
Any early withdrawal of funds from a DIP (failure to meet the 120/60 condition) leads to the termination of the contract and the obligation to return all tax benefits and pay tax on employer contributions for the last 10 years.
Can a DIP contract be terminated before the specified period?
Yes, a DIP contract can be terminated early. In such a case, however, it will be necessary to return all tax benefits utilized to date and employer contributions for the past 10 years. Exceptions to this rule are set for cases of third-degree disability or when the entire DIP is transferred to another financial institution.
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Important legal notice
* Expected annual future performance based on current market conditions over a three-year period. The scenarios presented are an estimate of future performance based on current market conditions and do not represent an exact indicator. Your profit will vary depending on the market situation and how long you hold the investment/product. Future income is subject to taxation, which depends on the personal situation of each investor and may change in the future. The investment may result in a financial loss. There is no guarantee of capital. More detailed information at https://atrisinvest.cz/fond-realita/vysledky-hospodareni/.
The website www.atrisinvest.cz is a presentation of the investment company ATRIS investiční společnost, a.s., IČO: 27647188, with its registered office at Plzeňská 3217/16 110 00 Prague 5 – Smíchov, Czech Republic (hereinafter referred to as “ATRIS IS”), relating to the collective investment fund Realita nemovitostní otvetřen podilový fond, ATRIS investiční společnost, a.s. (hereinafter referred to as the “Fund”) and is intended solely for informational purposes. The purpose of the website and the information provided on it is not to replace the statute of the Fund, to communicate key information about the Fund or to provide a summary thereof. It does not constitute investment advice, investment research or financial analysis, nor an offer or invitation to buy or sell units of the Fund, or more generally any investment instrument.
ATRIS IS is subject to supervision by the Czech National Bank, Na Příkopě 28, 115 03 Prague 1, www.cnb.cz.
The Fund may, in accordance with its statute, invest in real estate and real estate companies, or other complementary assets. More detailed information on the Fund’s investment strategy is provided in the Fund’s statute. The Fund’s statute and the Fund’s key information statement can be obtained in Czech in electronic form on the ATRIS IS website www.atrisinvest.cz, Documents section, and in paper form at the ATRIS IS headquarters.
Investing in the Fund’s units carries risks that are not described in detail in this document. The value of the investment may fluctuate over time and the return on the invested amount is not guaranteed. ATRIS IS, as an investment company, is not a participant in the Securities Dealers Guarantee Fund by law. More detailed information about individual risks is provided in the Fund’s statute and the Fund’s key information statement.
Jsou-li na internetových stránkách uvedeny informace o výnosu podílových listů Fondu, tyto informace se týkají minulosti, konkrétně období uvedeného přímo u jednotlivých grafů nebo informací, a jsou založeny na čistém výnosu. Please note that past performance is not a reliable indicator of future performance. Source of information: ATRIS IS statistical data, annual reports of the Fund available at www.atrisinvest.cz, Documents section. Neither past performance nor current performance provides any guarantee of future performance. The current value of the Fund’s units may rise or fall and there is no guarantee that a specific return will be achieved. At the same time, there is no guarantee that the value of the investment will not fall below the amount of the initial investment.
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