Understanding the importance of an investment strategy tailored to retirement to preserve capital and maintain your standard of living.
Transitioning to retirement marks a crucial stage in an individual's life, with the cessation of a stable monthly income and the beginning of a new era where savings accumulated over the years become the primary source of livelihood. For Swiss retirees, effectively managing this capital is essential to ensure long-term financial security.
Contrary to popular belief, many retirees continue to invest in financial markets. According to the Raiffeisen Pension Barometer, nearly 60% of people aged 66 to 79 maintain investments in securities. However, a strategy focused solely on stability, without adapting to personal needs or the new life situation, can limit the duration of capital consumption during retirement.
With increasing life expectancy, retirement can now extend over twenty to thirty years, offering more time to benefit from financial markets. It is less about building capital and more about growing it to maintain purchasing power and standard of living. Therefore, asset structuring must combine flexibility, security, and opportunities for returns.
Despite the extension of life expectancy, nearly 70% of Swiss retirees do not change their investment strategy upon entering retirement. Those well-prepared often have an adapted strategy. However, for those receiving a significant capital sum from their pension fund, it is crucial to assess the best way to invest these funds to maximize returns while minimizing risks.
These solutions should not be considered in isolation. Alp Conseils is here for your financial planning. Contact us to discuss further.