Tailor-made solutions for supplementary occupational pension plans
Primarily reserved for executives, as it targets employees with an annual income exceeding CHF 129,060, the 1e plan gives insured individuals an active role in managing their pension assets. This solution allows employees to select their own investment strategy based on their risk tolerance and to adjust it at different stages of their professional life.
In practice, this supplementary plan covers the portion of salary exceeding CHF 129,060, enabling substantial tax savings and a far more comfortable income at retirement. It offers employees the sense of taking a more proactive role in their pension planning and even grants them the option to make voluntary buy-ins.
Advantages for employers as well
With evolving regulations, this solution, which until now has been rather under-used and mostly by large companies, is expected to gain in popularity.
In its revised version, investment risks after retirement will no longer fall on the employer, but on the former employee. In addition, risk premiums are on average 25% lower within this type of plan.
Whether you are considering this privately as an employee, or as a business owner wishing to offer more to your team, do not hesitate to contact our Insurance & SME specialists to learn how best to integrate a 1e plan into your pension system.
