WHAT IS THE PAC

The Capital Accumulation Plan (PAC) is the ideal tool for planning long-term and medium-term objectives. In particular, it is suitable for setting aside savings to be used for family needs, but also as a piggy bank for personal needs.

Through periodic payments (even small amounts) into a mutual fund, it is possible to create assets over time. It is an automatic investment system that helps you regulate your saving capacity. With the PAC you invest your savings without the anxiety of having to choose the right time to enter the market and without the fear of entering the wrong one.

The PAC, thanks to a medium/long-term objective, offers clear advantages by limiting the risks that short-term investment can entail. The timing and the presence of a fixed horizon make it possible to escape emotion, without giving in to excesses of euphoria or pessimism. In this way, there is less chance of acting on impulse, which often leads to investing in highs and disinvesting in lows.

In addition to being a useful tool for achieving personal and family goals, the PAC is an excellent alternative to the pension fund because it allows small amounts to be freely and constantly paid over a fairly long period of time into a fund that can be redeemed upon retirement, or reinvested to generate an annuity.

WHICH ARE THE ADVANTAGES

It is an excellent solution that allows you to make a profit from your monthly savings. It offers the possibility to invest also to the small saver, in a way proportionate to his needs and gradually. In addition, the gradual investment reduces the risk associated with market timing (it is difficult to know exactly what is the best time to invest), obtaining a better price as it is mediated over time.

• FLEXIBILITY the amount to be invested is chosen, also in the light of its objectives, according to its income, capacity and willingness to spend.
• LESS RISK the gradual entry and the fixed maturity allow to limit the inconveniences related to investment timing and volatility.
• CUSTOMIZED TIMES the flexibility of the Pac is not only in the figures but also in the timing, with wide margins of choice ranging from short durations over decades. As a rule, however, there is a tendency to use this solution for medium-long horizons.
• EXPLOIT OPPORTUNITIES Allows you to position yourself on market opportunities even if you do not have substantial initial capital.
• PLANNING is the ideal tool for planning long-term goals for yourself and your family.

DURATION

The duration of an Accumulation Plan is decidedly flexible and left to the choice of the individual saver.
It can vary from a minimum of one to a maximum of forty years.

WHAT TO DO TO SUBSCRIBE

Before subscribing to a Pac it is essential to identify your savings capacity in order to choose how much to set aside, the duration and frequency of deposits. In addition to the savings capacity, however, the time horizon is also important for a proper allocation of your savings.

Our specialists are at your complete disposal to advise and support you in choosing the most suitable solution for your needs and requirements.

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