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.
With this calculator you can immediately see what you can do with your money. with your money. For example, how much C02 you can save.
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 and equities in the ratio you yourself decide. It is your decision: the higher your desired performance, the higher the equities share you need. If you are more risk-averse, you should choose a higher share of savings capital. This offers you greater stability but also significantly lower expected returns in the current low-interest environment.
Our specialists carefully select your equity investments. The focus is on sustainability, security, and return. The equities are chosen through a screening process involving the assessment of several criteria.
The process includes a negative screening with values- and ethics-based approaches, and a standards-based method involving at least three different criteria. If an investment does not meet the criteria, it is rejected. Conversely, a positive screening is designed to identify the best-in-class investments. This combination enables us to enhance your portfolio.
For Liberty, the security of your investment comes first. That is why your account and your securities are kept with Graubündner Kantonalbank. Graubündner Kantonalbank has been awarded the top AA credit-rating which places it among the best rated banks in the world.
| Strategyv | Risk level | Equities content | Fact sheet | Fees |
|---|---|---|---|---|
| Account solution | 1 | 0% | 0.00% | |
| Green Invest 25 | 2 | 25% | November 2021 | 0.10% |
| Green Invest 25 | 3 | 40% | November 2021 | 0.16% |
| Green Invest 60 | 4 | 60% | November 2021 | 0.24% |
| Green Invest 80 | 5 | 80% | November 2021 | 0.32% |
| Green Invest 95 | 6 | 95% | November 2021 | 0.38% |
Use the sustainability calculator to check how your LibertyGreen portfolio affects the environment.
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