Leaving your pension assets in a savings account may seem reassuring, but this approach falls short of unlocking their full potential. Savings accounts, with yields of 0% between 2019 and 2022, then 1.05% in 2023 and 0.8% since July 2024, offer limited opportunities to grow your wealth.
Conversely, a thoughtful and active management of your assets, tailored to your objectives, can transform these funds into a powerful driver of financial growth. By combining strategic planning with regular monitoring, it is possible to maximise returns while adjusting solutions over time as your priorities evolve.
Take a concrete example: a capital of CHF 1,000,000 invested since 2019. If it had remained in a savings account, it would have generated a modest gain of CHF 38,250 over nearly six years. In contrast, actively managed portfolios would have produced significantly better results: CHF 1,186,191 for a strategy with 25% equities, CHF 1,215,038 for a strategy with 40% equities, and CHF 1,281,797 for a strategy with 60% equities. These figures clearly illustrate the impact that proactive management can have on your pension assets.
Effective investing requires far more than a one-off decision; it is an ongoing process. A successful strategy is based both on a clear definition of your goals and the ability to adjust your portfolio regularly, depending on market trends and your personal priorities.
Two main approaches can be considered. Active management, led by experts, offers optimal responsiveness to market fluctuations and opportunities. It is ideal for those seeking to maximise returns while benefiting from rigorous support. Meanwhile, passive management, which is more stable, focuses on allocation based on market indices, making it ideal for investors who prefer a simplified approach.
In any case, selecting an investor profile is a key step. Your decisions should reflect your time horizon (short- or long-term), projects (early retirement, wealth transfer), and risk tolerance. By working with professionals, you benefit from personalised support to align your investments with your needs and ambitions.
Beyond performance, successful wealth management relies on a holistic approach and close monitoring. The goal is to structure your entire wealth – whether it involves cash, real estate, or business holdings – while optimising tax, matrimonial, and estate planning aspects.
This personalised monitoring not only ensures consistency across your various resources but also adapts your solutions over time. Your goals may evolve: a change in professional circumstances, a real estate investment project, or estate planning. Support may also require the implementation of tailor-made solutions designed to meet specific needs.
Finally, through an open architecture, it is possible to access the best investment solutions available on the market, whether they are offered by third parties or designed internally. This flexibility, combined with constant monitoring, guarantees optimal management tailored to every situation.
Investing your pension assets is not merely about seeking returns, but about building a global and evolving strategy. With regular and personalised support, it is possible to transform these funds into a growth lever while structuring your wealth to meet the needs of tomorrow.