Tailored to your needs
1e Collective Foundation
On the cutting edge – with the 1e plan from finpension.
With the 1e pension plan from finpension, you remain attractive to high level employees. Individual, secure and without redistribution.
Advantages
Your benefits with a 1e pension plan from finpension
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 of banks
Without conflicts of interest
Digital
Leading online platform
Consistent
finpension is owner-managed
Services and costs
1e plans tailored to your needs
A 1e plan is generally divided into a savings process and risk insurance. The maximum annual savings contribution is, on average, 25% of the insured salary. Various benefits can be insured as risk coverage:
- Disability pension
- Child disability pension
- Premium waiver
- Spouse and partner pension
- Orphan’s pension
- Death capital*
*The accumulated retirement assets are not offset against the partner’s pension by default but are paid out in full in addition to the insured death capital (full refund). Upon request, insurance coverage can be reduced to a partial refund on voluntary buy-ins.
Obtain a transparent and easy-to-understand quote
The amount of the risk premium depends on the scope of the insured benefits. The administrative costs amount to CHF 100 per insured person per year.
Added to this are the costs for the investment strategies. We offer these with a flat-rate fee, which also covers a large part of the costs of the funds used (TER).
The fees may be structured differently for our own investment strategies.
25 %
max. Ø savings contribution
Investment strategies
1e pension plan with professional investments
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
Transparent and no hidden costs
Institutional
Cost-effective and source-tax optimized
High Equity Exposure
Strategies with up to 100% equity exposure possible
Connection Solution
finpension Vested Benefits Foundation
Possible investment strategies
Up to 10 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).
Individual investment solution? That is also possible. Please get in touch with us. We will be happy to check how we can best implement your ideas.
Services
Our services that make your life easier
We offer a comprehensive service package that makes working with the 1e plan significantly easier for you, your HR and your insured persons. This service package is included in our all-in fee.
Services
Implementation of a 1e plan
The introduction of a 1e plan requires good communication with the insured employees. We have a lot of experience in introducing 1e plans.
Services
For your HR employees
We have developed various tools for your HR staff. These tools simplify the administration of your insured employees and are available in the HR Login here hr.finpension.ch.
Services
For your insured employees
The insured employees receive an invitation by e-mail to set up their individual 1e account. Once the onboarding is done, the 1e account can be managed via the finpension app.
References
Companies that trust us
More than 500 companies with more than 5,500 insured persons already rely on a 1e solution from finpension. Here are some of the names we can mention.
Personalised advice
Do you need further information?
Get in touch with us. We will be happy to advise you personally.
FAQ
Frequently asked questions about finpension's 1e plan
What is a 1e plan?
1e plans are part of the extra-mandatory occupational benefit scheme (2nd pillar). Employees can decide for themselves how their savings are invested in a 1e plan. They can choose from up to ten investment strategies specified by the employer. There is no redistribution from active insured persons to pensioners in a 1e plan. The pension capital is paid out as a lump-sum payment / in capital form in the event of vested benefits or upon retirement.
Who can join the finpension 1e Collective Foundation?
All legal entities (including general partnerships) can join the finpension 1e Collective Foundation. In the case of a sole proprietorship, we will be happy to clarify for you whether and how an affiliation is possible.
How is a 1e solution introduced and what expenses does this entail?
The implementation of a 1e plan needs to be properly structured, but thanks to our extensive experience, it can be implemented in a short time. If a company decides to implement a 1e solution, the first thing we do is get the HR on board and work out a common understanding of the process. It is very important for us to make the processes as simple as possible for the HR managers.
Is it possible for the insured to change the investment strategy?
Yes, a change of investment strategy is possible at any time free of charge and can be made directly in the app. The adjustment of the individual 1e account to the new investment strategy takes place on the second bank working day of the week.
How and when can I make voluntary purchases?
At any time, provided you have purchasing potential. You can find out whether you have purchasing potential by going through the online guided process. You can find the process in the app. At the end of the process, you will receive the payment instructions. The foundation must receive the payment by 31 December at the latest to still be eligible for deduction for the corresponding tax year.
1e Collective Foundation