Lifeplan creates a fund portfolio based on your risk level, age, time to retirement and several parameters. However, we do not have access to all of your current fund holdings. Therefore, we cannot always know exactly what fund holdings you already have when the advice is generated.
This is not a problem for the investment advice itself. Our analyses deliberately start from a blank slate: is there a better overall portfolio today compared to the previous advice? If the answer is that the same solution is still best in individual insurance policies, the advice will be the same.
The result may be that you sometimes receive the same fund suggestions for certain insurance policies as before, even if you are already in line with the target picture. We cannot always know whether you have followed the previous advice and already have holdings in the funds we recommend. In the points where the advice does not lead to any actual change in terms of both funds and percentage allocation, you do not need to do anything, other than verify that the investments are as intended. Mark these advice parts as done in the Lifeplan fund switch instructions. Where we can see your current holdings (via information from insurance companies/banks), we will not send instructions to switch funds if you already have the same funds and the same allocation.
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