Tuleva believes in passive investment. Put simply, this means that all the money paid into our funds is distributed between the shares of thousands of the world’s biggest companies or government bonds. This ensures that risks are nicely hedged. After that, what’s needed more than anything else is the patience to stick with it and ignore scaremongering bank tellers and silver-tongued salesmen. Investment funds which invest their money passively are known as index funds.
Tuleva’s pension funds focus on long-term returns and aren’t put off by short-term fluctuations. Mitigating short-term risks would be expensive and leave those saving for their retirement less likely to achieve the returns they’re hoping for on their assets.
Tuleva doesn’t dabble in forecasting and never tries to outsmart the market, instead investing on a factual basis. The funds contributed by those saving for their retirement are distributed between the shares of the world’s most successful companies, because this has been shown to bring the majority of the world’s investors the best results.
Tuleva keeps its costs very low and only involves itself in activities that will generate value for savers, because the higher a pension fund’s management fees, the less money this leaves people with for their retirements. Tuleva doesn’t spend its money on expensive ad campaigns, the short-term mitigation of risks or armies of salespeople.