Inhaltsseite:Swisscanto 1e

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Swisscanto 1e

Extra-mandatory pensions redefined for higher earning employees.

An innovative solution for higher earning employees

As a comprehensive provider of services for occupational and private pensions, Swisscanto Pensions Ltd. decided to establish the Swisscanto 1e Collective Foundation to round off its range of pension products. The background to this move is that, due to the abolition of the minimum guarantees arising from Art. 15 FZG [Swiss Federal Act on Vesting in Pension Plans] and Art. 17 FZG, the legal framework has been created to offer a certain amount of leeway in customising investments in the supplementary part of occupational.

The Swisscanto 1e Collective Foundation is available to those with higher individual investment requirements. Employees with total wages over one and a half times the BVG upper wage limit (2018: CHF 126,900) are eligible. The innovative solution gives employees with a higher income greater personal responsibility and self-determination in their occupational pensions. Insured persons can thus actively co-design their pension according to their needs.

In the normal BVG basic insurance, there is no option to directly influence the investment strategy, which means that all insured persons have identical investments, irrespective of their personal risk requirements. For the wage portions over and above one and a half times that of the BVG upper wage limit, the Swisscanto 1e Collective Foundation now offers a high level of flexibility. 

Advantages

  • The 1e schemes now allow the investment strategy to be determined by the insured person.
  • The investment strategy can be changed monthly if necessary.
  • Each individual employee has the option of choosing from five different investment strategies at this time.
  • Each insured person can optimise their own yield according to their investment horizon and ability to bear risk.
  • All 1e beneficiaries have online access so that they can change the investment strategy monthly.
  • Further information or simulations can be downloaded via the online access (for instance in the area of risk).
  • Depending on the design of the solution, businesses subject to IAS / IFRS can gain relief from their obligations.

This concept of own responsibility and transparency is ushering in a new digital age when it comes to supplementary occupational pensions. The Swisscanto 1e Collective Foundation is best prepared for this challenge and can provide competent advice in all issues relating to the 2nd pillar.

Our publications

Brochure

Theme Detail 
Participate in individual investment solutions in supplementary pensions. Download document (PDF, 6 Seiten, 938 KB)

Factsheets & Key investor information

Fonds Détail 
Swisscanto (CH) Money Market Fund CHF DT CHF Download Factsheet (PDF, 3 Seiten, 263 KB)
Download KIID (PDF, 2 Seiten, 91.5 KB) 
Swisscanto IF Avant BVG Portfolio 10 GT CHF Download Factsheet (PDF, 3 Seiten, 292 KB)
Swisscanto IF Avant BVG Portfolio 25 GT CHF Download Factsheet (PDF, 3 Seiten, 280 KB)
Swisscanto IF Avant BVG Portfolio 45 GT CHF Download Factsheet (PDF, 3 Seiten, 286 KB)
Swisscanto BVG 3 Index 45 Download Factsheet (PDF, 3 Seiten, 263 KB)
Download KIID (PDF, 2 Seiten, 96.9 KB)

Regulations

Topic Details
Investment regulations Download document (PDF, 31 Seiten, 2 MB)
General framework regulations (GFR) Download document (PDF, 31 Seiten, 2.1 MB)
Cost regualations Download document (PDF, 1 Seite, 103 KB)
Rules of organisation Download document (PDF, 11 Seiten, 2 MB)

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