{"id":2197,"date":"2024-05-20T15:00:01","date_gmt":"2024-05-20T13:00:01","guid":{"rendered":"https:\/\/avanea.ch\/advantages\/"},"modified":"2024-09-17T13:58:43","modified_gmt":"2024-09-17T11:58:43","slug":"advantages","status":"publish","type":"page","link":"https:\/\/avanea.ch\/en\/advantages\/","title":{"rendered":"Advantages"},"content":{"rendered":"<div class=\"gb-container gb-container-a67f75f2\">\n<div class=\"gb-container gb-container-c4028b75\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-292b15fa\">\n<div class=\"gb-grid-column gb-grid-column-de96e991\"><div class=\"gb-container gb-container-de96e991\">\n\n<h2 class=\"gb-headline gb-headline-d3cc0137 gb-headline-text\">Employer<\/h2>\n\n\n\n<h3 class=\"gb-headline gb-headline-6468250a gb-headline-text\">Your advantages as an employer<\/h3>\n\n\n\n<p>Avanea closes the gap between full insurance and a collective foundation.\nEmployers and employees benefit from maximum security, low pension premiums and high investment returns with above-average interest rates for higher retirement benefits. <\/p>\n\n\n<div class=\"gb-container gb-container-3a98fc5f\">\n<div class=\"gb-container gb-container-d3ee7acc red_accordion gb-accordion\">\n<div class=\"gb-container gb-container-daf6404e gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-0ddda848 gb-accordion__toggle\" id=\"gb-accordion-toggle-0ddda848\"><span class=\"gb-button-text\">1. extra capital protection<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-c61cc989\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-c61cc989\">\n\n<p>Avanea is the first independent collective foundation to offer capital protection against the risk of reductions in retirement assets in the event of partial liquidations due to contract termination or restructuring with insufficient cover.<\/p>\n\n\n\n<p>This earmarked reserve is financed by employer contributions and investment income.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-b7936a46 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-5628d764 gb-accordion__toggle\" id=\"gb-accordion-toggle-5628d764\"><span class=\"gb-button-text\">2. choose the investment strategy<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-1f2a3304\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-1f2a3304\">\n\n<p>When you join Avanea, you and your employees choose the investment strategy you want. Avanea offers two different strategies. Avanea 30 with a strategic equity component of 30% and a bandwidth of 20% to 50% or the new investment pool Avanea PizSol, which will be available from January 1, 2025. This pool is based on a return-oriented investment strategy and a dynamic investment allocation, i.e., reacting to market events and taking advantage of opportunities as they arise without sacrificing sustainability.   <\/p>\n\n\n\n<p>Further information on our two investment pools can be found on the <a href=\"https:\/\/avanea.ch\/en\/assets\/\" target=\"_blank\" rel=\"noreferrer noopener\">Investment pools<\/a> page.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-a030609c gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-983326d5 gb-accordion__toggle\" id=\"gb-accordion-toggle-983326d5\"><span class=\"gb-button-text\">3. exceed expectations<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-5b7c2800\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-5b7c2800\">\n\n<p>Thanks to its successful investment activities, Avanea was able to exceed the interest rate set by the Federal Council in 2015, 2016, 2017, 2019, 2020, 2021 and 2023.\nThis enabled our policyholders to benefit from additional interest on their entire capital.   <a href=\"https:\/\/avanea.ch\/aktuelles\/fakten-zahlen\/\">Link<\/a><\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-aab60b3a gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-fc3b44eb gb-accordion__toggle\" id=\"gb-accordion-toggle-fc3b44eb\"><span class=\"gb-button-text\">4. 100% reinsured<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-64b72134\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-64b72134\">\n\n<p>The risks of death and disability are 100% reinsured externally.\nThanks to the law of large numbers, all affiliated employers benefit from a high level of security and favorable conditions in the risk area. <\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-3b728336 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-12e3bb94 gb-accordion__toggle\" id=\"gb-accordion-toggle-12e3bb94\"><span class=\"gb-button-text\">5. no sector tariff<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-99a89dcb\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-99a89dcb\">\n\n<p>Regardless 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.\nIndustry-specific surcharges are not applied.\nA comparison between your current pension solution and Avanea will show you any savings.  <\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-1f9e4b80 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-35558faf gb-accordion__toggle\" id=\"gb-accordion-toggle-35558faf\"><span class=\"gb-button-text\">6. risk rate guarantee<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-14ddc7c6\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-14ddc7c6\">\n\n<p>With most pension solutions, the risk premiums are adjusted annually based on the age of the insured persons.\nAvanea, on the other hand, defines a uniform risk premium for all insured employees.\nProvided the average age of the insured employees does not fluctuate too much, we guarantee the risk rate for the next three years.  <\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-740b5fb9 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-58b60da5 gb-accordion__toggle\" id=\"gb-accordion-toggle-58b60da5\"><span class=\"gb-button-text\">7. Remediation principles<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-8c065c0e\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-8c065c0e\">\n\n<p>If the foundation is underfunded due to a future financial crisis and restructuring measures have to be implemented as a result, the restructuring contributions are recognized as employer contribution reserves with a waiver of use. This corresponds to a loan from the employer to its own pension fund and therefore does not represent a cost. As soon as the bottleneck has been overcome, the advances made can be used to pay the current contributions.  <\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-55681178 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-e3aed69e gb-accordion__toggle\" id=\"gb-accordion-toggle-e3aed69e\"><span class=\"gb-button-text\">8. tax optimization<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-67b0df5f\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-67b0df5f\">\n\n<p>Occupational pension provision is an attractive instrument for tax optimization.<\/p>\n\n\n\n<p>As a company, you have the option of transferring so-called employer contribution reserves in addition to the regular contributions. This allows you to temporarily increase your personnel expenses and consequently reduce your company&#8217;s profit. This reduces the liquid funds not required for operations, and at the same time, leads to a lower tax burden.  <\/p>\n\n\n\n<p>Ask your insurance broker and\/or tax advisor about your options for tax optimization through occupational pension provision.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-c787a1bd gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-10277300 gb-accordion__toggle\" id=\"gb-accordion-toggle-10277300\"><span class=\"gb-button-text\">9. no interest on arrears<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-b95ac811\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-b95ac811\">\n\n<p>Invoices for pension fund contributions are issued quarterly, at the end of each quarter.<\/p>\n\n\n\n<p>Avanea does not charge interest on arrears.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-4fe429d8 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-0d73ae97 gb-accordion__toggle\" id=\"gb-accordion-toggle-0d73ae97\"><span class=\"gb-button-text\">10. cooperation<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-d97be5c2\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-d97be5c2\">\n\n<p>Whether you want your insurance broker to take care of the advice and administrative processing, or whether you prefer direct contact with us &#8211; we are happy to adapt to your wishes.<\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-72595b4a\"><div class=\"gb-container gb-container-72595b4a\">\n\n<h2 class=\"gb-headline gb-headline-40c68bac gb-headline-text\">Insured persons<\/h2>\n\n\n\n<h3 class=\"gb-headline gb-headline-d93681ac gb-headline-text\">Advantages for insured persons<\/h3>\n\n\n\n<p>Avanea places actively insured persons, recipients of retirement pensions, disability pensions and surviving dependants at the center of its activities.\nThe following benefits summarize the most important aspects that set us apart in the pension market. <\/p>\n\n\n<div class=\"gb-container gb-container-dbb368ef\">\n<div class=\"gb-container gb-container-3824752e red_accordion gb-accordion\">\n<div class=\"gb-container gb-container-01c107d5 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-46d6431b gb-accordion__toggle\" id=\"gb-accordion-toggle-46d6431b\"><span class=\"gb-button-text\">1. distribute profit<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-8533d541\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-8533d541\">\n\n<p>The realized profits are first used to pay the legally required interest.\nIn addition, reserves must be formed to cover future fluctuations and to ensure the solidity of the pension fund.\nThe available surplus is credited to you as additional interest.\nIn 2015, 2016, 2017, 2019, 2020, 2021 and 2023, our insured persons were able to benefit from additional interest.\nOur policyholders have benefited from an average interest rate of 2.00% since the scheme was established.      <a href=\"https:\/\/avanea.ch\/wp-content\/uploads\/2024\/08\/Kennzahlen-Avanea.pdf\">INTERESTING<\/a><\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-41dbb179 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-28f9a88d gb-accordion__toggle\" id=\"gb-accordion-toggle-28f9a88d\"><span class=\"gb-button-text\">2. capital protection<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-d0f2d4ad\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-d0f2d4ad\">\n\n<p>This protection is the main advantage of Avanea.<\/p>\n\n\n\n<p>The partial liquidation risk only arises if the affiliation is terminated or if your employer is undergoing restructuring that leads to redundancies.\nIn these two cases, a so-called partial liquidation must be carried out at the pension fund: If the pension fund is overfunded (coverage ratio &gt; 102%), the departing employees may be entitled to the available reserves in the form of potential additional interest.\nIf the pension fund is underfunded (coverage ratio &lt; 98%), this can lead to a reduction in the retirement assets saved.  <\/p>\n\n\n\n<p>At Avanea, the accumulated retirement assets are not reduced, as we have set aside appropriate reserves to cover this risk.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-aaff3eb8 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-ca83c115 gb-accordion__toggle\" id=\"gb-accordion-toggle-ca83c115\"><span class=\"gb-button-text\">3. enveloping conversion rate<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-5c525ae4\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-5c525ae4\">\n\n<p>With Avanea, active insured persons can freely choose the proportion of the desired lump-sum withdrawal and retirement pension when they reach retirement age.<\/p>\n\n\n\n<p>Many pension funds apply different conversion rates (so-called split conversion rate) for the BVG portion of the retirement assets (currently 6.8%) and a greatly reduced rate for the non-mandatory portion (sometimes below 5%).<\/p>\n\n\n\n<p>Avanea uses a uniform conversion rate (so-called enveloping conversion rate) and therefore does not differentiate between mandatory BVG capital and extra-mandatory capital (current conversion rate in 2024 at age 65 is 6.1%).<br\/><br\/>As a rule, around 50-70% of the total pension capital is mandatory BVG capital. This leads to a higher retirement pension if the overall conversion rate is applied. <\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-772739b8 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-1653a0c7 gb-accordion__toggle\" id=\"gb-accordion-toggle-1653a0c7\"><span class=\"gb-button-text\">4. purchases<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-4aac704a\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-4aac704a\">\n\n<p>If an insured person has made tax-privileged purchases with Avanea for missing contribution years, these will be refunded to the surviving dependants in addition to any pensions in the event of death.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-d73709eb gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-35558ca8 gb-accordion__toggle\" id=\"gb-accordion-toggle-35558ca8\"><span class=\"gb-button-text\">5. single parent insured persons<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-017479d3\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-017479d3\">\n\n<p>If the deceased insured person was a single parent, Avanea pays a care pension of the same amount in addition to the orphan&#8217;s pension.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-00203a5a gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-f09ab2fc gb-accordion__toggle\" id=\"gb-accordion-toggle-f09ab2fc\"><span class=\"gb-button-text\">6. disability pension from 25% partial disability<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-48ec0fce\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-48ec0fce\">\n\n<p>The Federal Disability Insurance Act (IVG) only provides for a partial pension of 25% in the event of partial disability from 40% of the degree of disability. Many pension funds and pension schemes follow this logic and only grant a disability pension for partial disability from 40% of the degree of disability<\/p>\n\n\n\n<p>Avanea grants disability pensions from an IV degree of 25% and increases them in line with the degree of disability.<\/p>\n\n\n\n<p>Example assumption: Employee, monthly salary CHF 6,000 before disability, now awarded partial disability 33%, insured disability pension 2nd pillar (with 100% degree of disability) CHF 1,742.50<\/p>\n\n\n\n<p>According to IVG logic: continued salary CHF 4,000, IV pension from 1st pillar <br\/>CHF 0, from 2nd pillar CHF 0<\/p>\n\n\n\n<p>Avanea: continuing salary CHF 4,000, IV pension from\n1st pillar CHF 0, from\n2nd pillar Avanea CHF 580.85  <\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-cd392572 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-2029d5a8 gb-accordion__toggle\" id=\"gb-accordion-toggle-2029d5a8\"><span class=\"gb-button-text\">7. additional lump-sum death benefit<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-237e8cf3\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-237e8cf3\">\n\n<p>A death not only leaves an emotional gap for the deceased, but usually also a financial one for funeral costs and the like.\nAvanea takes this into account and offers an additional lump-sum death benefit of CHF 10,000 for all insured persons, without a cost surcharge. <\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-b4078cce gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-d3046a55 gb-accordion__toggle\" id=\"gb-accordion-toggle-d3046a55\"><span class=\"gb-button-text\">8. choice between pension model 100\/60 and 90\/90<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-6afd47f5\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-6afd47f5\">\n\n<p>If a person opts for a retirement pension on retirement, the conversion rate on ordinary retirement is 6.1% of the enveloping capital.\nIn the event of death after retirement, the surviving spouse receives 60% of this as a spouse&#8217;s retirement pension. <\/p>\n\n\n\n<p>As the expenses for the surviving partner sometimes do not necessarily decrease in the event of death &#8211; for example, rental costs remain the same &#8211; Avanea Pensionskasse has taken this into account and introduced the 90\/90 pension model as of January 1, 2024.<\/p>\n\n\n\n<p>The insured person can opt for the 90\/90 pension model before the first pension is paid out, provided this does not fall below the BVG minimum benefits.\nIn this case, the calculated retirement pension is reduced by 10%.\nIn contrast, the spouse&#8217;s prospective retirement pension is increased to 100%.\nIn the event of death, the spouse thus receives a spouse&#8217;s retirement pension that is the same as the retirement pension.   <\/p>\n\n\n\n<p><strong>Example: <\/strong>Man, married, retirement assets at retirement age CHF 300,000.\nAge at retirement 65 years <\/p>\n\n\n\n<p>Traditional: CHF 300,000 x conversion rate of 6.1% results in a retirement pension of<br\/>CHF 18,300.00 and a prospective spouse&#8217;s retirement pension of CHF 10,980.00<\/p>\n\n\n\n<p>Model 90\/90: CHF 300,000 x conversion rate of 6.1% x 90% results in a retirement pension of CHF 16,470.00 and a constant reversionary spouse&#8217;s retirement pension of CHF 16,470.00<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-d5352574 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-de812450 gb-accordion__toggle\" id=\"gb-accordion-toggle-de812450\"><span class=\"gb-button-text\">9. external membership<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-fc17d05b\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-fc17d05b\">\n\n<p>A new option for voluntary insurance (external membership) has been created.\nThis enables the insured person, for example in the event of unemployment, maternity or a sabbatical, to continue the insurance for a maximum of two years.\nThe insured person has the choice of continuing to insure only the risks of death and disability (without savings contributions) or also building up retirement provision (with savings contributions).\nThe previous AHV salary will continue to be insured unchanged.\nIrrespective of this, the retirement assets will continue to accrue interest.\nThe administration costs have been set at CHF 150.00 per year.     <\/p>\n\n<\/div><\/div>\n<\/div>\n\n<div class=\"gb-container gb-container-88793a69 gb-accordion__item\" data-transition=\"slide\">\n\n<button class=\"gb-button gb-button-54e7f51a gb-accordion__toggle\" id=\"gb-accordion-toggle-54e7f51a\"><span class=\"gb-button-text\">10. partial retirement<\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon\" viewbox=\"0 0 9.18 9.18\" height=\"9.18\" width=\"9.18\">   <path fill=\"#fff\" transform=\"translate(-2.266 10.42)\" d=\"M11.445-5.176H7.5V-1.24H6.2V-5.176H2.266V-6.484H6.2V-10.42H7.5v3.936h3.945Z\" data-name=\"Path 88\" id=\"Path_88\"><\/path> <\/svg> <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"gb-accordion__icon-open\" viewbox=\"0 0 5.332 1.26\" height=\"1.26\" width=\"5.332\">   <path fill=\"#fff\" transform=\"translate(-1.406 6.201)\" d=\"M6.738-4.941H1.406V-6.2H6.738Z\" data-name=\"Path 89\" id=\"Path_89\"><\/path> <\/svg><\/span><\/button>\n\n\n<div id=\"gb-accordion-content-cbb6f7ab\" class=\"gb-accordion__content\"><div class=\"gb-container gb-container-cbb6f7ab\">\n\n<p>Retirement is now possible in a maximum of 5 steps.\nA maximum of 3 lump-sum withdrawals are possible.\nIn the case of partial retirement, the benefit entitlement corresponds to the extent of the salary reduction.  <\/p>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n\n\n<a class=\"gb-button gb-button-9adfc275 gb-button-text full_width_button\" href=\"https:\/\/avanea.ch\/en\/request-a-quote\/\" target=\"_blank\" rel=\"noopener noreferrer\">Request a quote now.<\/a>\n\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":2046,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-2197","page","type-page","status-publish","has-post-thumbnail"],"acf":[],"_links":{"self":[{"href":"https:\/\/avanea.ch\/en\/wp-json\/wp\/v2\/pages\/2197","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/avanea.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/avanea.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/avanea.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/avanea.ch\/en\/wp-json\/wp\/v2\/comments?post=2197"}],"version-history":[{"count":3,"href":"https:\/\/avanea.ch\/en\/wp-json\/wp\/v2\/pages\/2197\/revisions"}],"predecessor-version":[{"id":3582,"href":"https:\/\/avanea.ch\/en\/wp-json\/wp\/v2\/pages\/2197\/revisions\/3582"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/avanea.ch\/en\/wp-json\/wp\/v2\/media\/2046"}],"wp:attachment":[{"href":"https:\/\/avanea.ch\/en\/wp-json\/wp\/v2\/media?parent=2197"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}