With bench, you choose the guarantee and not funds. Protect your 3a money for retirement and give it a chance to grow.

bench is for you if...

you are saving for your retirement in the long term.
your 3a account should have a growth opportunity.
you are not comfortable saving with 3a securities.
The advantages of bench:

Return opportunity → Depending on the guarantee product you choose, you can expect a return of approx. 1-4% per year. This return opportunity is smaller than for 3a solutions with securities but significantly higher than for a regular 3a account.
Guarantee → You choose the guarantee level for your payments in the app. When you retire, you will always receive at least your guaranteed amount back – no one guarantees this for 3a securities solutions.
No obligation → You pay when and how much you want, up to your 3a maximum amount.
Save taxes → You can deduct contributions from your taxable income, just like with a regular 3a account.
Transfer 3a account → In the app, you can conveniently transfer your existing 3a balance to bench. This way, you can also protect your current savings with the bench guarantee.
Flat fee → The flat fee amounts to a maximum of 0.8% of the account value per year and is included in the values shown. The flat fee will not reduce your guarantee amount.
With your ID, you can open the bench 3a account in a few minutes on your smartphone.