Liberty and the Aquila Group have decided to work collaboratively to offer you even more vested benefits and retirement saving investment options in the future. The Aquila Group is one of Switzerland's largest independent asset management firms: the Group is headquartered in Zurich and has offices in nine other locations across the country.
Our aim is to keep costs down, maximise returns and ensure that your investments are at tuned with the rest of your assets. Thanks to its open architecture, the Liberty pensions platform is particularly well-suited for this purpose. Whether you are a private client or the client of an external asset manager, Liberty offers you a range of investment funds from different providers, reasonable and transparent pricing and a choice of custodian banks (creditworthiness, interest rates, etc.). You are free to choose the form of investment (cash, investment funds or asset management mandate) and your own investment and risk profile:
| Short-term investments and investments for very conservative investors | Term deposits (with attractive interest rates) and a choice of three account-holding banks |
| For limited assets and portfolios being built up | A range of BVG/LPP funds with various risk/return profiles and investment styles |
| For the larger portfolio in need of diversification | A combination of funds with different risk profiles and management styles |
| For the larger portfolio | Customised asset management mandate with a choice of up to 11 custodian banks |
You can give Liberty your account opening instructions and choose your investments directly. Alternatively, you can set your investment strategy with an external consultant who will then be responsible for choosing and monitoring the securities. Aquila clients have the benefit of attractive terms and conditions and an holistic consulting approach integrating the client's pension assets (including the risk and return profile) into his overall investment and tax profile.
Many clients prefer investment funds. But sometimes, the minimum amounts are too high for clients to invest directly. Aquila Investment AG's new APENSO Fund is a BVV2/OPP2-compliant investment fund which combines the advantages of a higher equity content with a loss-lessening design in case of market turmoil; a balanced, long-term investment fund, APENSO is just as suitable for the 3a retirement saving or vested benefit portfolio as it is for conventional securities portfolios. Both APENSO funds (25% or 40% equity content) are designed to limit fluctuations in asset values.
The APENSO funds fluctuate far less than many other balanced investment funds which mirror an index and catch all the corresponding market swings. The APENSO funds are designed to lessen losses when markets are difficult. On the other hand, when prices rise, they catch a good part of the upswing. The funds are a liquid and time-tested investment with a high level of transparency. When a client cashes in his 3a retirement savings or vested benefit portfolios (when he retires or leaves Switzerland permanently), the APENSO investment does not have to be sold.
For more information, contact Peter Schuppli, Aquila Investment AG, Zürich
peter.schuppli@aquilagroup.ch