Plans 1e: our new investment planning tool

This new feature—unprecedented in Switzerland—is now available to all policyholders affiliated with the FCT 1e Foundation. It enables the implementation of a dynamic, life-cycle-based investment strategy, allowing individuals to align their pension investments with their evolving financial goals over time.

What is a life-cycle investment strategy?

In the field of pension planning, investment strategy is a key determinant of long-term outcomes. Traditional strategies typically rely on a static allocation across asset classes. In contrast, a life-cycle investment strategy dynamically adjusts the asset allocation based on the policyholder’s age and proximity to retirement.

The concept is straightforward: at the beginning of one’s career, a longer investment horizon allows for greater risk exposure, with the goal of maximizing returns. During this phase, the portfolio may be weighted more heavily toward growth-oriented assets, such as equities. As retirement approaches, however, it becomes crucial to preserve accumulated capital. The investment strategy therefore shifts progressively toward more conservative instruments, such as bonds and other lower-volatility assets. Over time, this approach automatically balances risk and return based on the insured’s age and changing risk tolerance.

How does the strategy change planner work?

The Strategy change planner facilitates a seamless transition between investment strategies throughout the policyholder’s career. It allows for the pre-scheduling of up to ten investment strategy changes, chosen from a set of predefined strategies.

For example, a policyholder may opt for a high-risk, high-return strategy until the age of 45, and then begin to scale down risk exposure incrementally as retirement nears. A default life-cycle strategy is also available to guide policyholders who prefer a more hands-off approach. All planned adjustments are executed automatically according to the specified timeline, with the flexibility to revise or cancel changes at any time, if needed.

How to access the strategy change planner

Accessing the Strategy change planner is simple. Policyholders can log in to their secure personal portal at fct.benefits.ch, where the tool offers intuitive, step-by-step guidance for tailoring investment strategies over time.

Enhancing retirement asset management

With the Strategy change planner, FCT Services offers policyholders a powerful solution to optimize their retirement savings. By combining long-term return optimization with progressive risk mitigation, it supports a more confident and personalized approach to retirement planning.

We encourage all policyholders affiliated with the FCT 1e Foundation to explore the Strategy change planner and align their investment strategy with their personal life cycle and retirement objectives.

Should you have any questions or require support, we remain at your disposal.