investment
How to Choose the Investment Option
Which compartment should you choose for your severance pay and savings?
If you’re feeling unsure about which option best suits your needs, you’re in the right place. When it comes to investments, there are two key factors to consider:
- the level of risk;
- the investment horizon.
The level of risk
Risk, as we know, is an integral part of investing and is what justifies returns. There is no such thing as a risk-free investment. There are only investments with varying degrees of risk. The general rule is that the higher the risk associated with an investment, the higher the potential return.
The risk level of Fondapi’s investment compartments
Fondapi offers three investment compartments with increasing levels of risk. The equity and bond securities that make up each compartment are selected and blended in different proportions with the goal of achieving the widest possible diversification. These activities are carried out by specialized financial managers such as BNP, Pimco, Anima, and others.
The investment horizon
This refers to the investment duration. In a pension fund, this corresponds to the period between joining the fund and reaching retirement. The longer the investment horizon, the higher the level of risk you can tolerate.
Historically, financial markets have grown over the long term. There have been, and will continue to be, periods of decline, but over a long horizon these fluctuations tend to be absorbed by the overall upward trend of the markets.
How to choose your investment compartment: guidelines and simulation
Once we have defined our time horizon and identified the level of risk we can tolerate, we are ready to make an informed decision about the investment compartment that best suits our needs.
Using this simple, structured approach to choosing your investment compartment allows you to build returns while gradually reducing risk as you approach retirement. It also helps you remain detached from emotions, which are always a poor guide in financial decision-making.
Warning: Past performance is not indicative of future results.
Discover the investment options
How to change your investment compartment
1. Access your RESERVED AREA
2. Click "INVESTMENT" in the top menu
3. Click "EDIT PROFILE"
4. Select your new investment option and confirm by clicking “SAVE PROFILE CHANGES”.
5. DONE!
Fondapi has automatically registered your instruction and no additional documents need to be sent to the Fund.
You can download and keep the receipt.
If you wish to cancel the instruction, please promptly send an email to fondapi@fondapi.it with the subject line “Cancel investment option change” and attach a copy of your identity document.
