NEWS
Your benefits
We manage your data in-house and we are at your service with reliable and competent contact persons at all times.
1e solutions are part of our core business. We invest continuously in consulting and development to make the access as easy as possible for HR and the insured employees.
Individual
Independent
Digital
Consistent
Individual pension plans
A 1e pension plan is as individual as your needs. We are happy to take time for you.
Basically, a 1e plan is always divided into a savings process and a risk insurance. The maximum savings contribution per year is on average 25% of the insured salary. Various benefits can be insured as risk coverage:
- Disability pension
- Disability child‘s pension
- Exemption from contributions
- Spouse’s and partner’s pension
- Orphan‘s pension
- Lump sum death benefit*
*In general, the saved retirement assets are not used to finance the spouse’s and the partner’s pension, but are paid out in full and in addition to any insured lump-sum death benefit (full restitution). If desired, the insurance coverage can be reduced to a partial restitution on voluntary purchases.
Professional investments
A 1e pension plan is only as good as its investment solution.
With finpension’s 1e collective foundation, your insured persons can invest in investments that are otherwise reserved for institutional investors. In particular, these investments are cost-effective and can reclaim significantly more tax on foreign dividends.
Insured persons who leave can seamlessly continue their investment strategy in our vested benefits foundation.
Low Costs
Institutional
High Equity Exposure
Connection Solution
Possible investment strategies
You can offer your insured persons up to ten investment strategies. As a rule, less is more. According to the law one of the investment strategies must be low-risk.
Below we show you a possible set of investment strategies. Passive investment strategies such as these give the 1e plan a certain neutrality and can also be implemented in a sustainable manner (ESG sustainability criteria).
Transparent Costs
The amount of the risk premium depends on the insured benefits. The administrative costs amount to CHF 100 per insured person per year.
In addition, there are the costs for the investment strategies. We offer these with an all-in fee that also includes the fund costs (TER).
References
More than 400 companies with more than 5 000 insured persons already rely on a 1e solution from finpension. Here are a few names that we can mention.
