Pension Plans & Retirement
We have been working successfully for years in the field of establishing customized pension plans for our clients.
Retirement planning has become a complex issue in these days. The public social security sys-tem is based on mechanisms grounded in a decades-old demographic context that is very differ-ent from today’s situation. Moreover, its distribution criterion does not provide for the accumu-lation of financial reserves. The difference between pensions paid out and contributions made is covered by a continuous increase in public debt and taxes in the absence of asset coverage.
In effect, monthly income is often reduced in retirement. This means downsizing, which in some cases entails a radical change in lifestyle habits and can lead to having to fundamentally rethink one’s lifestyle.
In this context, building an efficient private pension plan has evolved from a simple precaution-ary measure into a key necessity. As the time horizon is typically long-term, the benefits of right decisions and the consequences of wrong decisions intensify over time. It is therefore essential to structure the plan properly from the outset.
Key elements of an effective plan are:
Limiting costs
Limiting costs
Searching for the best options
Searching for the best options
Security
Security
Cash flow management
Cash flow management
Tax optimisation
Tax optimisation
The Genève Invest Group has been successfully and independently involved in the design of individual retirement plans for many years. The process begins with an in-depth analysis of the client’s initial situation in terms of available capital, expected retirement age and the amount desired in addition to the basic pension. In the next step, long-term market forecasts are formu-lated, especially with regard to inflation and target returns.
Based on these evaluations, a functional investment strategy can be created, which must take into account both the available time horizon and the desired income in retirement.
The final phase is the implementation of the strategy, starting with the definition of the most appropriate investment structure and the search for the most profitable investment opportuni-ties, i.e., the instruments that offer the best balance between risk, cost, and return.
This last step is undoubtedly the most critical aspect, as many of the offerings available on the market are fraught with high costs and poor performance. These products are usually developed from a purely commercial point of view and, in the long run, are more profitable for the distri-bution network than for the investor. The independence that characterises Genève Invest, along with the skills and experience we have acquired over the years, has enabled us to devel-op a methodology that has proved particularly effective in generating returns for our clients which are consistently above the market average and thus well above the average performance achieved by traditional pension plans available on the market.
