UNFCU Advisors. United Nations Office Geneva Pre-Retirement Seminar UNFCU Advisors serving the people who serve the world

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Lionel Mason
8 years ago
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1 UNFCU Advisors United Nations Office Geneva Pre-Retirement Seminar 2015

2 On Retirement...

3 On Retirement Your financial life might change: Reduction of your income Management of the lump sum More time to spend money Taxes UNFCU Advisors can help you to manage your financial matters for your forthcoming new life

More time to spend money Taxes UNFCU Advisors can help

4 Our Solutions

5 Portfolio Management Multicurrency investments in CHF, EUR, USD Wide diversification in asset classes, markets and currencies Investment strategy in line with your risk parameters

6 Financial Planning Tax situation in Switzerland Professional referral partners available for complex situations

7 Mortgage loans Mortgage loans in Swiss Francs For properties in Switzerland (GE and VD) and France Repayment of mortgage loans vs. investment

8 Insurance Services Automobile & Motorcycle Insurance Personal Liability and Household Legal Expenses Insurance Travel Insurance Other insurances are available through our New York office

9 Portfolio Management

10 Investment Process These are the elements of a succesful relationship with UNFCU Advisors. Together we will define your: Investment profile Risk tolerance and capability Investment horizon, goals and objectives Plans (real estate, other major investments)

11 Investment Process (cont) Global view and analysis of all your assets (if desired) Investment proposal Delegation of investment decision to UNFCU Advisors Ongoing information and contact with your Financial Advisor More information you provide us with the better we can serve you

UNFCU Advisors Ongoing information and contact with your Financial

12 Investment Strategies Investment horizon > 12 years Investment horizon 8-12 years Investment horizon 5-8 years Investment horizon 2-3 years Conservative level with investments primarily in fixed income investment funds and a small portion of real estate investment funds Investment horizon 3-5 years Conservative level with a small allocation in equities investment funds as well as holdings in bonds and real estate investment funds Medium risk strategy with a mix of equities, fixed income and real estate investment funds A strategy designed for long term investors with a strong weight on equity investment funds and a smaller portion of bond investment funds A strategy for long term investors seeking growth and accepting higher volatility in their investments. This strategy invests primarily in equity investment funds Conservative Income Balanced Moderate Growth Aggressive Growth

bonds and real estate investment funds Medium risk strategy with a mix of equities, fixed income and real estate investment funds A strategy designed for long term investors with a strong weight on

13 How we are different We develop tailor made portfolios according to your goals, objectives and needs We offer prudent and responsible investment strategies We are independent and not committed to any one investment provider We offer a fair all-in-one fee We provide a consistently high level of service

strategies We are independent and not committed to any one investment

14 How we are the same Your investments are liquid and monitored continuously Our clients can check their investments through an e- banking access available 24 hours a day, 7 days a week UNFCU Financial Advisors is subject to Swiss Banking Secrecy We are a member of the Swiss Association of Asset Managers and therefore supervised by FINMA (Swiss Financial Market Authority)

UNFCU Financial Advisors is subject to Swiss Banking Secrecy We are a member of the Swiss

15 Company Overview UNFCU Advisors LLC 100% Ownership 100% Ownership UNFCU Advisors LLC, New York, Geneva Branch

16 UNFCU Financial Advisors Financial Services LLC, New York, Succursale de Genève

17 Meet your financial advisor Please contact your financial advisor to set a meeting at ILO or Palais des Nations Lukas Ammann Akim Fellahi Branch Manager Financial Advisor lammann@unfcuadvisors.ch afellahi@unfcuadvisors.ch

Ammann Akim Fellahi Branch Manager Financial Advisor

18 Risk Disclosure This document was produced by and the opinions expressed are those of UNFCU Financial Services LLC, New York, Geneva Branch as of the date of writing and are subject to change. The data contained within is provided for information purposes only and its accuracy is not guaranteed. It does not constitute an offer or an invitation by or on behalf of UNFCU Financial Services LLC, New York, Geneva Branch to any person to buy or sell any security. UNFCU Financial Services LLC, New York, Geneva Branch is using sources deemed to be reliable for prices, interest rates and other financial information. However we cannot guarantee the accuracy of these prices, interest rates and other financial information. Past performance is not an indication of future results. UNFCU Financial Services LLC, New York, Geneva Branch does not make any representation as to the accuracy or completeness of the information and analysis contained in this publication and does not accept liability for any loss arising from the use hereof. All information published in this brochure is not a public offer. For more information, your Financial Advisor is available to discuss items contained within with you. UNFCU Financial Services LLC, New York, Geneva branch is a Swiss registered company holding all needed business licenses for Switzerland. This document may not be reproduced either in whole, or in part, without the written permission of UNFCU Financial Services LLC, New York, Geneva Branch. UNFCU Financial Services LLC, New York, Geneva Branch, is a member of the United Nations Federal Credit Union Group a financial organization serving the United Nations community since 1947 with a tradition of trust, integrity and unparalleled service. 06/2013

It does not constitute an offer or an invitation by or on behalf of UNFCU Financial Services LLC, New York, Geneva Branch to any person to buy or sell any security.

UNFCU Financial Advisors

UNFCU Financial Advisors UNFCU Financial Services LLC, New York Geneva Branch UNOG Pre-Retirement Seminar April 18, 2012 After Retirement... After Retirement Your financial life might change: Reduction