What is the Pension Plan investment?
"Planning for retirement starts with making smart investment choices. Pension Plan offers a simple, scalable, and tax-efficient solution tailored to your investor profile."
A short questionnaire helps assess your profile by considering your age, goals, financial knowledge and risk tolerance. Based on your answers, you’ll be matched with one of three investor profiles.
|
Age / Investor profile |
Defensive |
Defensive |
Dynamic |
|---|---|---|---|
| 18 to 40 years | Max 30% equities | Max 35% equities | Max 80% equities |
| 41 to 55 years | Max 25% equities | Max 30% equities | Max 60% equities |
| 56+ years | Max 20% equities | Max 25% equities | Max 30% equities |
Three options are available depending on your desired level of involvement:
- Discretionary management: you delegate management entirely. Your investment portfolio is systematically rebalanced to maintain the investment strategy that suits you. The investment is made entirely in the BFI Strategy range of funds managed by our specialists at Baloise Asset Management.
- Profiled-based management: your investment basket consists of ETF managed by Amundi, and Baloise Luxembourg helps you determine the best investment strategy for your profile. Baloise Luxembourg also assists you with the annual management of your portfolio, particularly if your investments deviate from your initial strategy.
- Self-directed management: you build your own portfolio from a selection of investment vehicles, including ETF. This solution is suitable for more independent or experienced investors.
The range of funds on offer also includes ESG funds. You can view the list of available funds here.
Simply choose the amount and frequency (monthly or annually) of your contributions to get started. Your strategy can be adapted over time as your profile or personal situation evolves.
- Global diversification: invest in major indices through ETFs (exchange-traded funds).
- Flexible management: three levels of support to match your preferred level of involvement.
- Tax advantages: Deduct up to €4,500 per year (conditions apply).
- Progressive investing: automate contributions to reduce the impact of market volatility.
- Clear investor profiles: choose from defensive, balanced or dynamic strategies.
Harnessing the power of ETFs for your retirement
- Trusted provider: we partner with Amundi ETF, Europe’s leading ETF manager, with €287 billion in assets under management.
- Controlled costs: ETFs follow a passive investment strategy with typically lower fees than active funds.
- Transparency: ETFs mirror well-known indices (e.g., MSCI World, S&P 500, Eurostoxx 600) and publish their holdings regularly.
and benefit from tax deductions
An ETF (Exchange-Traded Fund) is a fund listed on the stock exchange that tracks a benchmark index. It offers a simple way to invest with broad diversification and lower costs.
Your profile is based on several factors: age, retirement goals, loss tolerance and investment horizon. It can evolve over time.
- Discretionary – for hands-off investing
- Profile-based – for ready-made structure
- Self-directed – for full control
Like all financial investments, ETFs carry risks: capital loss, market volatility, index tracking errors. Past performance is not a guarantee of future results.
This content is for information purposes only and does not constitute investment advice. Tax benefits depend on current legislation and your personal situation. Please consult a financial adviser to assess whether this solution suits your needs.