This is the procedure to follow if you would like to open a vested benefits or individual retirement savings account with one of the Pictet foundations.
Determine your investor profile
To choose the portfolio that best suits your circumstances, you first have to determine:
- your “risk appetite” or tolerance to fluctuations in the value of your assets,
- the expected duration of your investment.
Choose a portfolio or mix of portfolios
The Pictet Foundations allow you to choose how you distribute your retirement capital between the four different investment portfolios listed below. You may also decide temporarily not to invest part or all of your vested benefits.
The chart below will allow you to determine which portfolio best suits your investor profile. You can also divide your assets between several portfolios.
Determining the amount to be invested
When your vested benefits capital comes from a pension fund or vested benefits foundation, you can choose whether you invest some or all of the amount.
Depending on your financial resources, you are free to choose how much and how often you want to pay into your individual retirement savings account. However, the annual contribution must not exceed the maximum tax-deductible amounts. You can also transfer all or part of the retirement capital that you have accrued with another 3rd Pillar A institution to an account with our foundation.
Contact our Pension Planning team
To finalise the opening of a vested benefits or individual retirement savings account, please do not hesitate to contact our advisers.