The Swisscanto Flex Collective Foundation stands for an innovative, flexible and attractive collective product offering in the field of occupational pensions.
Swisscanto flexibly covers the differing requirements of corporate customers with individual insurance plans and a variety of options in the investment of pension assets. A company can, for instance, decide on the standardised "Flex collective" solution or the tailored "Flex individual" variant.
The "Flex individual" pension solution is a highly versatile solution. With this concept, each pension plan acts like an independent, partially autonomous pension fund, is managed with an annual balance sheet and profit and loss account and forms its own respective value fluctuation reserve. This also gives each company in the "Flex individual" scheme an individual coverage ratio.
Besides the usual tasks, the Pension Commission (not the Board of Trustees) determines the interest rate for the return on the individual savings capital taking into account the pension scheme's financial situation. The pension capital within this solution is, on the whole, invested in at least three investment pools: Flex20, Flex30 and Flex40. The respective figure represents the equities portion of the pool.