The choice of pension plan depends on your risk profile, savings goals and the time remaining until retirement. In general:
- If retirement is still a long way off, you may choose plans with greater return potential, which usually involve a higher level of risk.
- If you are closer to retirement, you may prefer more conservative plans.
- If you are looking for a balance, there are plans that combine both characteristics.
In any case, you can adapt your contributions to the plan that best suits your circumstances at any given time and even switch plans without any tax cost.
