Level 1: Low risk (0–20 points)

Your risk profile corresponds to a strategy that focuses on long-term capital preservation without tolerance for significant fluctuations in value. Investments will therefore focus on a fixed-interest solution in Swiss francs, preserving value.

We draw your attention to the fact that no strategy is entirely risk-free in its implementation. It cannot therefore be ruled out that a strategy with investments aimed at preserving value may generate negative returns.

Level 2: Conservative (21–33 points)

Your risk profile corresponds to a strategy that focuses on generating income, if possible on a continuous basis, without completely foregoing the opportunity to take advantage of small gains on prices and/or exchange rates. The emphasis is on fixed-income investment products, such as bonds. By adding a small proportion of equities and a limited proportion of foreign currencies, the aim is to achieve long-term growth in assets with little exposure to fluctuations in value. Your risk appetite allows you to choose between an equity allocation of between 0 and 25% or a low-risk investment strategy.

Level 3: Balanced (34–46 points)

Your risk profile corresponds to a strategy that focuses on regular income and higher returns over the long term. The investment is balanced between fixed-income investments, equities, and foreign currencies. This makes it possible to target current income and take advantage of gains on prices and/or exchange rates. The objective is to achieve long-term wealth growth while taking into account fluctuations in value. Your risk tolerance allows you to choose between an equity allocation of between 0 and 40% or a low-risk investment strategy.

Level 4: Dynamic (47–60 points)

Your risk profile corresponds to a strategy that focuses primarily on significant gains from prices or exchange rates rather than current income. The emphasis is on tangible assets with a high proportion of foreign currencies. The objective is to achieve significant long-term wealth growth, taking into account large fluctuations in value. Your profile reveals a high risk appetite and gives you the choice between an equity allocation of between 0 and 60% or a low-risk investment strategy. This risk profile also gives you access to extended investment options in accordance with Art. 50, para. 4 OPP2 and the Foundation's investment regulations.

Level 5: Growth (61–74 points)

Your risk profile corresponds to a strategy that focuses significantly more on substantial gains from prices and/or exchange rates than on current income. The emphasis is on tangible assets (stocks) with a high proportion of foreign currencies. The objective is to achieve significant long-term wealth growth, taking into account very large fluctuations in value. Your profile reveals a very high risk appetite and gives you the choice between an equity allocation of between 0 and 80% or a low-risk investment strategy. This risk profile also gives you access to extended investment options in accordance with Art. 50, para. 4 OPP2 and the Foundation's investment regulations.

Level 6: Capital gain (75–94 points)

Your risk profile corresponds to a strategy that focuses much more on substantial gains from prices and/or exchange rates than on current income. The emphasis is exclusively on tangible assets (equities) with a very high proportion of foreign currencies. The objective is to achieve significant long-term wealth growth, taking into account significant fluctuations in value. Your profile reveals an extremely high risk appetite and gives you the choice between an equity allocation of between 0 and max. 100% or a low-risk investment strategy. This risk profile also gives you access to extended investment options in accordance with Art. 50, para. 4 OPP2 and the Foundation's investment regulations.

Open - Vested benefits account