Employer

The advantages of a collective foundation with the security of full insurance

Avanea Pensionskasse is unique in many respects. Avanea Pensionskassse is the only pension fund in Switzerland to close the gap between full insurance and a collective foundation:

• Partial liquidation risk reserve
  The partial liquidation risk is one of the biggest risks for semi-autonomous pension funds. Avanea actively addresses this risk and has built up a reserve for this purpose, the so-called partial liquidation reserve. If, in the event of a partial liquidation due to restructuring of the company or termination of the contract, the foundation has a coverage ratio of more than 102%, the pension fund takes the vested benefits plus its share of technical provisions and fluctuation reserves. If the coverage ratio is below 98%, the actuarial deficit is offset by a share of the Avanea partial liquidation risk reserve and the pension fund takes 100% of the coverage ratio.

• Freedom of choice and flexibility
  The pension plans and benefits are defined flexibly on the basis of the company’s needs and can be adjusted at any time.

• Predictability
  In the interests of the insured persons, all risk benefits are defined transparently as a percentage of the insured salary. This means that people who have already drawn part of their pension capital (divorce, financing of home ownership) or who started saving later are not disadvantaged in any way.
  
  There are numerous arguments in favor of the Avanea Pension Fund. Take a few minutes to find out more about your advantages as an employer and employee with Avanea Pensionskasse.

BVG solutions for small and medium-sized companies

Avanea Pensionskasse offers pension solutions for companies and private employers from every sector (with the exception of the catering industry).

• Plan selection
  Avanea Pensionskasse offers its customers full flexibility in plan selection in accordance with Swiss law.

• Pricing
  Avanea Pensionskasse does not apply sector pricing. Irrespective of the sector, the risk premium is calculated on the basis of the insured benefits, the average age of the insured persons and the available retirement assets. Industry-specific surcharges are not applied. A comparison between your current pension solution and Avanea Pension Fund will show you any savings.

• Uniform risk premium
  With most pension solutions, the risk premiums are adjusted annually based on the age of the insured persons. Avanea Pensionskasse, on the other hand, defines a uniform risk premium for all insured employees. Provided the average age of the insured employees does not fluctuate too much, we guarantee the risk rate for the next three years. This helps you to better plan your personnel expenses.

BVG solutions for start-ups

Avanea Pensionskasse is the ideal partner for young Swiss companies. Regardless of the sector, we offer secure BVG solutions with optimum benefits for start-up companies. Unlike many providers, Avanea Pensionskasse does not charge any industry-specific surcharges or minimum insurance premiums.

Risk benefits
Our start-up pension plan provides risk benefits as a percentage of the insured salary, which are generally slightly higher than the statutory minimum benefits:

• Disability pension 40%
• Partner pension 24%
• Child pension 8%

Retirement credits
The retirement credits are based on the BVG scale of 7/10/15/18% of the insured salary.

If desired, an additional lump-sum death benefit can be insured, as well as higher risk benefits and savings contributions. Please do not hesitate to request a comparative offer.

BVG solutions for medium-sized and large companies

Medium-sized to large companies without a company foundation with actuarial reserves of at least CHF 10 million can maintain a separate account with Avanea Pensionskasse.

Separate account features

• Co-determination in capital investments
• Choice of asset manager
• Own balance sheet and annual financial statements
• Deputies and succession are regulated
• Maximum flexibility of a company-owned foundation without additional (financial) obligations and responsibilities of the same

Let our specialists advise you on this.

Sole proprietorship / self-employed persons

The second pillar is not mandatory for self-employed entrepreneurs. The market mainly offers them solutions via the third pillar, while the choice in the second pillar remains rather limited. The law basically allows three solutions for the self-employed:

• Together with the employees with the same benefits
• Affiliation to the contingency fund with benefits in accordance with the statutory minimum
• Through a professional association

Avanea Pensionskasse cooperates with the professional association Verein Patronat Schweiz and offers pension solutions for the self-employed. The risk benefits and the savings scale are defined in four different plan variants.

	Pension plan A	Pension plan B	Pension plan C	Pension plan D
Risk benefits
– Disability pension	30%	40%	50%	50%
– Spouse’s pension	18%	24%	30%	18%
– Children Pension	6%	8%	10%	6%
– Add. Capital at death	100% / 200%	100% / 200%	100% / 200%	100% / 200%
Risk premiums
– 25-30 years	1.30%	1.60%	1.80%	1.50%
– 30-39 years	1.80%	2.20%	2.50%	2.10%
– 40-49 years	2.50%	3.00%	3.40%	2.90%
– 50-65 years	3.40%	4.00%	4.60%	3.90%
Add. Capital at death	0.2%	0.2%	0.2%	0.2%
Savings contributions	10%	12%	15%	10%

Please do not hesitate to contact us for further information.