Swiss pensions will be smaller in the future since low interest rates translate into lower returns on pension assets. At the same time, life expectancy is rising, and the benefits pot has to be shared between an ever increasing number of recipients. These effects are mutually reinforcing and serve as a warning: If you want sufficient income once you retire, you should invest in a private third-pillar retirement savings plan.
To encourage environmental protection and improve the climate balance, we have created a portfolio committed to sustainable – responsible, ethical, social, and ecological – investments. These sustainability criteria supplement more conventional investment criteria such as performance, liquidity and security.
Studies show that this type of portfolio outperforms conventional monetary investments.
Use this calculator to find out what you can achieve with your money. For example, how much CO2 you can save with your investment in LibertyGreen compared with an investment in the World Stock Index.
Thanks to our calculator, you can compare the sustainability of your investment against the MSCI World Index.
The index published by MSCI covers some 1’600 companies from 23 industrialised countries. It is reputedly one the most important global stock market indexes.
We source our sustainability data from MSCI ESG Research. MSCI ESG is the largest global provider of sustainability analyses and ratings in the environmental, social and corporate governance fields.
Your portfolio is apportioned between savings capital (cash) and equities, in the ratio you yourself decide. It is up to you: the greater your capacity for risk and the longer your savings time horizon, the higher the equities share available to you. If you are more risk-averse, your preference should go to a higher share of savings capital. This assures you greater security – however, you must expect lower returns in today’s low-interest environment.
Your equities investments are carefully selected in a standardised investment process. The focus is on sustainability; several criteria are applied to ensure that your expectations in terms of security and return are met.
The validation process includes a negative screening with values- and ethics-based approaches, and a standards-based method involving at least three different criteria. If a prospective investment does not meet the criteria (negative screening), it is rejected. The same applies if the CO2 emissions cap is exceeded – accordingly, LibertyGreen has excluded entire economic sectors. Conversely, the positive screening process identifies companies with positive ratings in terms of ESG performance. An A rating is the minimum threshold for LibertyGreen. Moreover, a company must have adequate market capitalisation to ensure that its securities are readily marketable.
This differentiated combination enables us to enhance your portfolio.
For Liberty, the security of your investment comes first. That is why we maintain your account and securities with Graubündner Kantonalbank. Graubündner Kantonalbank has been awarded the top AA credit-rating which places it among the best-rated banks in the world.
Use the sustainability calculator to check how your LibertyGreen portfolio affects the environment.
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