Lifecycle
Wide array of Branch 23 funds
Bespoke plan
Additional risk coverage
Possible as Cafeteria Plan
Unique digital support
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Lifecycle in a nutshell
The Lifecycle concept allows you to adapt the Branch 23 investment strategy automatically to your staff member’s age.
At the start of his/her career, for example, you can invest the contributions for your staff member in Branch 23 funds with a high risk/high return strategy. You will then invest in percentage terms a higher proportion of the savings contribution in asset classes with a higher risk (like shares) to pursue a higher return. Any setbacks can then be more easily absorbed thanks to the long investment horizon. This is the accumulation phase.
If your staff member is approaching retirement age, the investment in the higher-risk asset classes will automatically be phased out in order to invest more percentagewise in lower-risk asset classes (such as bonds or cash). With this low risk/low return strategy, you make the entire pension nest egg safer and expose it less to market corrections. This is the consolidation phase.
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