PENSION FUNDS

NEW HORIZONS


LFG+ZEST manages vested benefit accounts and third-pillar (3a) pension funds to maintain your desired standard of living, retire earlier, and optimize your tax burden. We also manage second pillar funds (BVG), which are ideal for executives and professionals with a minimum salary of CHF 132’000.

We offer individual and innovative solutions for withdrawing BVG funds, ensuring maximum returns, tax optimization and increased availability of your savings.

LFG+ZEST guides you in choosing an investment strategy based on your risk profile, time horizon, and retirement savings goals.

VESTED BENEFITS ACCOUNT
SECOND PILLAR (LPP)
PREVIDENTIAL FUNDS (3A)

RISK PROFILES OF ASSET MANAGEMENT LINES


Strategies are subject to the investment guidelines set out in the Occupational Pension Ordinance (OPP2).
Management is done primarily through ETFs and investment funds that have a daily NAV, ensuring constant control of portfolio costs. 
Returns may vary upward or downward based on market fluctuations.

LFG+ZEST BALANCED

The LFG+ZEST Balanced strategy aims for capital stability and preservation with a conservative risk-return profile, favoring bonds and limiting exposure to equity markets and alternative instruments.

Risk Profile 3 (Maximum equity share 37%)

LFG+ZEST GROWTH

The LFG+ZEST Growth strategy aims to grow in the medium to long term by diversifying asset classes and focusing on equity markets and alternative instruments. The goal is to maximize returns while maintaining a good portion of the portfolio in bonds.

 Risk Profile 5 (Maximum equity share 77%)

PERSONALIZED MANAGEMENT

The LFG+ZEST Capital gain strategy aims to maximize returns with investments in opportunities with high growth potential.

It focuses on the stock market with alternative instruments that aim for optimal balance.

Risk Profile 6 (Maximum equity share 97%)

WITHDRAWAL OF PENSION FUNDS LPP

Considering the opportunity to use the funds resulting from the withdrawal of the second pillar LPP and, possibly, the third pillar, we aim to provide a wide range of investment alternatives for people approaching retirement or just entering this stage of their lives.

This initiative aims to offer innovative and beneficial financial solutions for those considering investment options.

The management of these funds is distinguished by its flexibility, as the regulations of the pension funds do not bind it. This allows for greater freedom in diversifying your investments, allowing you to explore a wide range of financial products to maximize returns and optimize your retirement capital management

THE ADVANTAGES

  • We offer investment solutions to achieve the maximum return that allows you to maintain your standard of living
  • Tax optimization implemented through specific asset management (tax-free income generated)
  • Customized management
  • Increased availability of own funds
  • Annual disposable income higher than a BVG pension
  • Unconstrained inheritance of capital

Meet the Team

ALBERTO CONCA
ENRICO GUAGNI
SIRO SPELLINI
WALTER BILAND
ROSY MANTIA
MATHIAS HASLER
ADRIAN KEMPF
LIBERO VALSANGIACOMO
MICHELE SCAMONI
ANTONIO VIGGIANI
ANDREA MEZZI
ALESSANDRO BRUSA PASQUÈ

CONTACT US

The 'First name' field is required
The 'Last name' field is required

Consent for Data Processing and Newsletter Subscription

Information on the Newsletter and Consent

By registering for the LFG+ZEST newsletter, you acknowledge and consent to the following processes, and you agree to our Privacy and Cookies Policy as well as LFG+ZEST SA's Important Legal Information (“Disclaimer”), which can be accessed at the following link (Disclaimer), or contacting us directly at privacy@lfgzest.com.

Content of Our Emails

We send newsletters and other electronic notifications containing advertising material (collectively referred to as the "newsletter") only with the consent of the recipients or where we have legal permission. The newsletter's content, which may be refined during the registration process, is critical for obtaining user consent. Our emails deliver information on our products, market analyses, and trends.

The information provided is purely informative and should not be construed as an invitation, offer, recommendation, or inducement to purchase or sell securities, financial instruments, or to apply for or subscribe to any financial or investment products or services, nor should it be seen as persuasion to engage in any transactions.

The newsletter may include information about various collective investment schemes or financial products that are registered in different jurisdictions. Not all products described in the newsletter are available in every country. The eligibility to purchase certain products is subject to the laws and regulations applicable to the investor in their country of residence. Please consult our Important Legal Information for further details.

Registration, Dispatch, and Statistical Evaluation

You agree that LFG+ZEST will process your personal data to subscribe you to our newsletter and for the purposes outlined above. The data collected includes your name, email address, and any other information you provide.

Your consent to this processing is voluntary and can be withdrawn at any time by contacting us at [Your Contact Information] or by using the unsubscribe link in the footer of any email you receive from us.

We will respect your information and will not share it with third parties without your explicit consent, unless required by law. 

We will retain your personal data for as long as you are subscribed to our newsletter or until you ask us to delete your information.

Under the new Swiss Law on the treatment of your personal data and right to privacy, you have the right to access, correct, delete your personal data, and the right to data portability. You also have the right to lodge a complaint with a supervisory authority.

 

More detailed information about our privacy practices can be accessed at the following link (privacy policy), or contacting us directly at privacy@lfgzest.com.

Please accept Purpose C of the Privacy Policy
Please accept Purpose D of the Privacy Policy