With Zwitserleven ProfielBeleggen, you invest in one of the lifecycles managed by Zwitserleven. A lifecycle is a certain mix of investments, in which the risk is reduced as the standard retirement date approaches. ProfielBeleggen consists of five lifecycles, ranging from cautious to offensive.
You determine the investor profile, Zwitserleven invests in the corresponding lifecycle. Depending on the lifecycle, the composition and scale back of the investment risk will be different. This is why your investor profile is important. Does your investor profile show that you want to take a higher or lower risk? In that case, you should invest in a different lifecycle. Zwitserleven will make these adjustments, but is not responsible for returns on investments and whether these are adequate for a pension. You must ensure that your investor profile matches your personal situation. Therefore, you would be well-advised to check once a year whether your investor profile still suits you.
How can you prepare yourself for a variable benefit?
An important moment of choice is 15 years prior the standard retirement date. That is when we request you to prepare the mix of your investments for a variable benefit. This can be done for the entire value of plan assets, or for a part of that.
Through your personal website you can fill in a questionnaire. This questionnaire will result in an indication of how much risk you are prepared to take, and what your priorities are for your pension. In addition to this, it will give you an indication as to which choice best suits you.
You are responsible for the outcome of the questionnaire and the decision as to whether you want to invest in the corresponded profile as generated by this questionnaire. The mix of investments in this profile is as much as possible in line with your choices. Furthermore, an individual mix of investments more or less reduces the risks of investments until the retirement date.