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Individual 1e executive pension solution

Solutions for optimized retirement planning

Individual 1e executive pension plans put business owners and company managers in the driver’s seat in the super-mandatory portion of the second pillar. Learn more about the key features and countless benefits of this solution and how it can be tailored to your needs.

Basic requirement

If you own a business or work as a company executive and earn more than CHF 132,300, you and your company qualify for an individual 1e executive pension solution from Agilis 1e Collective Foundation.

  • Ideal for companies that want to offer their employees or middle managers an innovative retirement solution.

  • Wages between CHF 132,300 and CHF 749,700 are pensionable.

  • Every company has its own pension scheme and designates Bank Vontobel as the asset manager.

  • Every pension account holder selects their own investment strategy under Art. 1e BVV 2.

  • The pension account holder can choose among as many as 10 investment strategies, including at least one low-risk strategy. Individuals with the same strategy (within a given pension scheme) must have the same returns.

  • Pension account holders’ assets are independent, fully segregated from one another, and not affected by the risks taken by other pension schemes.

  • Every pension account holder enjoys maximum transparency with regard to returns and costs.

Key features of the 1e executive pension solution

The 1e executive pension solution is named after Art. 1e BVV2, on which it is based. The solution can be characterized by three key features: investments, insurance and tax optimization.

The law provides some flexibility in selecting an individual strategy for investments. Pension account holders at affiliated enterprises can choose from nine of up to ten possible investment strategies, picking the option that best suits their personal risk profile and investment horizon. The foundation provides access to extensive customization and professional asset management with Bank Vontobel Ltd as its asset manager.

Agilis 1e Collective Foundation provides many ways to fine-tune the pension plan for each affiliated company. For example, death and disability benefits and the retirement savings process can be perfectly coordinated with the basic pension fund and adjusted to reflect actual needs.

Tax optimization
Pension account holders and companies receive tax breaks on regular and extra contributions to pension funds and benefit from transferring assets from companies to individuals through wages and dividends instead of just through dividends.

Countless benefits for business owners

  • 1e solutions are an attractive alternative to increasingly unappealing full-insurance solutions that have been hit particularly hard by zero and negative interest rates
  • 1e solutions do not require plan members to make top-up contributions if they leave the company
  • Protects the balance sheets of IFRS reporters since there is no need to set aside provisions for pension obligations

Countless benefits for pension account holders

  • Every plan member / pension scheme has their own personal pension portfolio. All contributions – whether regular or extra – are credited in full to the personal pension portfolio
  • Full return upon death: accumulated retirement capital (including extra contributions) is paid out to the survivors in full
  • In contrast to traditional pension funds, plan members can withdraw their entire retirement capital upon leaving the company
  • For capital withdrawals: securities can be transferred to a personal portfolio and do not have to be sold in down markets

Contact us – we will be happy to talk about your own personal situation.