Presentation  |  February 17, 2013 21:52:41

What are the pension funds and the possibility of offering clients Conseq pension company?

Three questions for Richard Siuda, director Conseq pension companies that bring new information about the possibilities of providing for retirement. New pension funds offer an interesting assessment of pension savings than before and also clients do not lose a guarantee.

Conseq the long years of dedicated investment, why did you decide to go to 3 pillars and manage pension funds?

Pension plans have changed. There was a separation of the participants from the assets of the fund manager, which funds become safer and more transparent.Also participating were for new funds of the abolished rule, the fund may not achieve annual negative return, which may arise due to funds with different strategies and clients and have a much wider choice and can choose better product than a very conservative fund at the level of short-term bonds or trhu.Těmito money saving changes to the pension funds closer to regular investments in mutual funds, which is an area that has long and we think that we can do it - and so we decided to establish a company pension and retirement savings offer government contributions.

Which funds can Conseq offer clients?

We have a total of five pension funds with different investment strategies from the most conservative government bond funds to equity funds dynamic.

Because we understand that it may be difficult to choose the right combination of funds, we have prepared for clients also retirement savings program Zenit - Pension savings.

The program combines several funds with different investment focus in order to achieve a sufficient distribution of risk. The savings plan will offer three guided strategy - conservative, balanced and dynamic. For all true that the proportion of the equity component in time gradually decreases and the bond grows. This means that when clients retirement age remains a long time, the portfolio may be more volatile and thus also bringing more interesting returns.But the more you will be close to the moment when you will need to draw money for retirement, they will gradually yields to lock and zkonzervativňovat portfolio so that its value did not vary too and so savings could be threatened by the crisis in the financial markets.

What makes the product unique?

Clients who do want to get a more interesting return and are willing to accept fluctuations in the value of your savings over time, but for the final moment of drawing the money they want to be sure and a written undertaking that their account will be at least as much as you entered, brings solutions - saving strategy guaranteed by .This guarantee of the client can choose the savings to the program, provided that the period of the program is at least 10 years of age and at least monthly contribution. 500 CZK. By not guarantee continuous, but the target date, this strategy also gives the more than 10-year horizon enough potential for significantly higher returns than conservative strategy completely transformed funds with guaranteed non-negative result in each calendar year.

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