Anyone who takes pension provision seriously knows that every stage of life calls for its own answer. That is precisely why PensExpert is not a single-product house. How many foundations the company runs is a question many ask when they first get to know PensExpert. The answer: as of 31 December 2025, there are five different foundations, each with its own focus.
In the active pension fund solutions, these are PensFlex and PensUnit, two collective foundations for management pension provision with different investment philosophies. For the area of vested benefits, that is, the time between two jobs or during a career break, PensFree and Independent are available. And for private provision there is Pens3a. Together these five foundations cover almost the whole field of pension provision, from regular saving through a change of job to targeted private build-up. This way, the savings stay in good hands even when life does not follow a straight line.
It can be compared to a well-balanced football squad. A club with only strikers wins no championship. Every position needs the right solution, and that is exactly the thinking behind this line-up. The five names worth remembering are PensFlex, PensUnit, PensFree, Independent and Pens3a. That makes five in total.
