FCDE offers three different options for the strategic allocation of your pension assets:
- Standard palette
- Individualised palette
- Individual portfolios under Swiss Pension Fund Law (BVG)
The FCDE standard option comprises a carefully edited choice of 8 pension products. Each option has its own distinct risk profile and its own management style.
Furthermore, the inured persons are free to limit their investments to one of the above products or to add/combine various products of their choice.
Enterprises with assets under management of > CHF 10 million will find specific funds set up by Mirabaud Asset Management that cover their needs and wants precisely. Such funds can also be set up for the employees of one specific employer (dedicated funds).
Once more, the insured persons may combine the above stand-alone funds individually.
Individual portfolios under Swiss Pension Fund Law (BVG)
Individual pension provisions at their most individual: setting up specific proprietary portfolios according to the BVV2 regulations. This approach is of interest to persons with a potential retirement capital of over CHF 1 million.
Actively managed by private bank Mirabaud & Cie. The goals, risk profiles and individual requirements of the employees concerned will be reflected in a pension solution that is 100% tailor-made.
Each insured person will be looked after by a personal consultant. He or she will assist the insured persons throughout the entire pension-insurance cycle and counsel them in order to adapt their profiles to their actual situation.
One the retirement age has been reached, the capital can be converted into a conventional private portfolio without any further charges, thereby avoiding potentially costly divestments and setting the path for a further continuous banking relationship.
Pension insurance through the life cycle
The key characteristic of FCDE’s approach consists in adapting its concept to the various stages of the insured person’s life cycle.
An optimal asset allocation reflects these stages by privileging assets with high potential gains at the outset. Once a capital has been accumulated, volatile investments will be gradually phased out in favour of assets that generate a steady income.
Our consultants will actively support and assist you throughout your career and beyond. LPP Gestion and Mirabaud & Cie will do their utmost to smooth your transition towards retirement and to adapt your portfolio to this new stage.