The equities percentage chosen by the client within BVV2/OPP2 investment limits is flexibly managed with the help of proven timing models. Depending on market circumstances, up to 100% of the portfolio may be held in cash. This sets it apart from conventional “buy and hold” strategies.

In this securities solution for vested pension benefits (2nd pillar) and for tied retirement savings (pillar 3a), the equities portion (between 25% and 60% of the total portfolio) will be invested up to 65% in a global equities fund and 35% in an purely domestic equities fund (Swiss Leader Index - SLI).

Example:
Vested pension assets of CHF 100,000 are invested in FIT Aktientiming 40:
Remain on the account: CHF 60,000 (bearing interest at the preferential rate)
Are invested: CHF 40,000 (equities share).

Of the CHF 40,000 equities share, CHF 26,000 is invested in a global equities fund and CHF 14,000 in the Swiss equities fund. The equities share chosen by the client will then be flexibly adjusted within the investment fund depending on market circumstances. Investment decisions are made systematically and objectively (quantitative approach).

These timing strategies are designed to outperform the index and to ensure that, in downward phases, assets are held in cash. Experience shows that, in combination with well-timed exits, this mechanism produces significantly higher returns. Of course there will be years when the indexes will not be outperformed.

Further information is available here.