Company pension schemes
A secure pension scheme for you
Company pension schemes
Efficient, secure and flexible, we are your partner for occupational benefits. Whether a start-up or long-established firm: every company is unique – and deserves a unique pension solution.
What are your expectations as regards occupational benefits? Select the statement which best reflects you and we will formulate your individual pension solution together with you.
Cost-effective
With risk protection
Best possible
“We need a cost-effective solution”
A pension solution which satisfies the statutory provisions and offers solid risk protection.
“We want more: high risk protection plus being able to save”
A pension solution with something extra: greater risk protection in the event of disability and death, and improved savings potential with higher salaries.
“We want the best possible solution”
The pension solution that offers maximum risk protection and optimum savings potential
The benefits for you
| The pension goal for you and your employees when retired or in the event of disability, including AHV/AVS//IV/AI, should be in the area of 60% of the salary. | The pension goal for you and your employees when retired or in the event of disability, including AHV/AVS//IV/AI, should be in the area of 70% of the salary. | The pension goal for you and your employees when retired or in the event of disability, including AHV/AVS//IV/AI, should be in the area of 80% of the salary. |
| In the event of death, survivors should receive 40% of the salary, including AHV/AVS. | In the event of death, survivors should receive 50% of the salary, including AHV/AVS. | In the event of death, survivors should receive 60% of the salary, including AHV/AVS. |
| To ensure that monthly contributions are cost-effective, we recommend insuring only salary components between CHF 22'050.00 and CHF 88'200.00 | Improve your savings potential and insure the complete AHV/AVS annual salary above CHF 22'050.00 | Maximise your savings potential and insure the complete AHV/AVS annual salary. |
pension goal
60 %
including AHV/AVS//IV/AI
in the event of death
ca. 40 %
of the salary, including AHV/AVS
pension goal
70 %
including AHV/AVS//IV/AI
in the event of death
ca. 50 %
of the salary, including AHV/AVS
pension goal
80 %
including AHV/AVS//IV/AI
in the event of death
ca. 60 %
of the salary, including AHV/AVS
Sample calculation - Basis of calculation
| AHV/AVS annual salary | CHF 90'000.00 |
| age of insured person | 40 years (male) |
| services sector | service industry |
| maximum insured salary | CHF 62'475.00 |
| calculation of the maximum insured salary | |
| AHV/AVS annual salary minus coordination deduction = insured salary | CHF 86'040.00 CHF 25'275.00 CHF 62'475.00 |
| AHV/AVS annual salary | CHF 90'000.00 |
| age of insured person | 40 years (male) |
| services sector | service industry |
| insured salary | CHF 64'275.00 |
| calculation of the insured salary | |
| AHV/AVS annual salary minus coordination deduction = insured salary | CHF 90'000.00 CHF 25'725.00 CHF 64'275.00 |
| AHV/AVS annual salary | CHF 90'000.00 |
| age of insured person | 40 years (male) |
| services sector | service industry |
| maximum insured salary | CHF 90'000.00 |
| insured salary | AHV/AVS annual salary CHF 90'000.00 |
Sample calculation - Insured benefits
| estimated retirement capital on normal retirement | CHF 372'277.00 |
| estimated retirement pension | CHF 22'068.00 |
| disability pension (40%) | CHF 19'309.00 |
| partner's pension (24%) | CHF 11'585.00 |
| disabled person's child benefit / orphan's pension (8%) | CHF 3'862.00 |
| estimated retirement capital on normal retirement | CHF 381'109.00 |
| estimated retirement pension | CHF 22'068.00 |
| disability pension (40%) | CHF 25'710.00 |
| partner's pension (24%) | CHF 15'426.00 |
| disabled person's child benefit / orphan's pension (8%) | CHF 5'142.00 |
| estimated retirement capital on normal retirement | CHF 507'348.00 |
| estimated retirement pension | CHF 26'382.00 |
| disability pension (40%) | CHF 36'000.00 |
| partner's pension (24%) | CHF 21'600.00 |
| disabled person's child benefit / orphan's pension (8%) | CHF 7'200.00 |
Sample calculation - Contributions / costs
| total contribution per year | CHF 7'160.40 |
| savings contribution (retirement planning) | CHF 6'247.20 |
| risk contribution | CHF 658.80 |
| contribution to the guarantee fund | CHF 74.40 |
| administration costs | CHF 180.00 |
| total contribution per year | CHF 7'512.00 |
| savings contribution (retirement planning) | CHF 6'427.20 |
| risk contribution | CHF 830.40 |
| contribution to the guarantee fund | CHF 74.40 |
| administration costs | CHF 180.00 |
| total contribution per year | CHF 10'422.00 |
| savings contribution (retirement planning) | CHF 9'000.00 |
| risk contribution | CHF 1'167.60 |
| contribution to the guarantee fund | CHF 74.40 |
| administration costs | CHF 180.00 |
For employers
If you have any questions about your company’s pension plan, or in the case of a new address or change:
For employees
If you have any questions about the insurance certificate, payments, purchases or advance withdrawals:
Remain attractive
Leverage your pension solution to further increase your appeal as an employer. Modern pension solutions allow employees a say regarding their occupational pension plan. Your employees decide whether they wish to save more on a voluntary basis to increase their retirement capital. Talk to us about optional savings plans – tailored to your needs.
