Making provisions for a family time out

Have you just become a mum for the first time or do you want to take an extended break from work for another family-related reason? Is it not yet clear when you will return to work? frankly offers the right investment model for your vested benefits whatever your life situation.

For example: Marina, 32 years old, new mum

Let’s say you’re Marina, 32, and you’ve just become a mum for the first time. You want to take on parental responsibility at home and take a break from work following the birth of your first child. You don't yet know when exactly you will return to work. You would also like to buy your own home for your family in the future. To finance this, you would draw on your vested benefits assets.

Possible investment product: Light 15 Responsible

Marina opts for a security-conscious investment strategy – also because she might want to draw down the assets to purchase a home. With this investment strategy, Marina can preserve her assets and generate regular returns. Investments are primarily made in bonds. Equities and other investments may also be included in the mix for the purpose of optimisation.

To the investment products

What kind of pension could Marina achieve with frankly by this time?

Estimated pension assets in 3 years or at age 35:

Statement of changes in net assets

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Calculation and risk information

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Statement of changes in net assets

If Marina were to leave her money in her normal vested benefits account, in 3 years’ time and assuming interest rates remain low at 0.40%, she would have CHF 60,273. If she were to save in securities, however, with a hypothetical return of 2.46% per year (net after costs) this could rise to CHF 64,390.

The savings you can make with securities are worth much more than just a few hundred francs. Marina, for example, is 32 years old and not in employment. She makes a one-off payment of CHF 60,000 into her vested benefits account with frankly, and she chooses an investment product with an equity component of 15%.

Calculation and risk information

Let's assume, for example: an equity component of 15% and a hypothetical return per year of 2.46% (net after costs).

The future returns and risks presented here are for illustrative purposes only. Securities savings may fluctuate, the hypothetical return cannot be guaranteed and tax effects are not included in this forecast.

Economic models and statistical methods are used for calculation purposes. The forecast corresponds with the most likely performance, and can be predicted for an investment horizon of up to 10 years. In the event of a longer investment horizon the calculations are continued using the same values, whereby no statements can be made about the probability of the calculated results occurring. In the event of very unfavourable market developments, the performance may be lower than the nominal savings value. The calculated values are net of the frankly all-in fee and are based on an interest rate on the vested benefits account of 0.40%. Please note that inflation and the taxes payable when the balance becomes due are not included in this forecast.