{"id":2223,"date":"2024-05-17T15:26:28","date_gmt":"2024-05-17T13:26:28","guid":{"rendered":"https:\/\/avanea.ch\/employer\/"},"modified":"2024-08-30T14:55:59","modified_gmt":"2024-08-30T12:55:59","slug":"employer","status":"publish","type":"page","link":"https:\/\/avanea.ch\/en\/employer\/","title":{"rendered":"Employer"},"content":{"rendered":"<div class=\"gb-container gb-container-321fa2ff\">\n\n<h2 class=\"gb-headline gb-headline-27e7f1e0 gb-headline-text\"><strong>The advantages of a collective foundation with the security of full insurance<\/strong><\/h2>\n\n\n\n<p>Avanea Pensionskasse is unique in many respects.\nAvanea Pensionskassse is the only pension fund in Switzerland to close the gap between full insurance and a collective foundation: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Partial liquidation risk reserve<\/strong> <br\/>The partial liquidation risk is one of the biggest risks for semi-autonomous pension funds.\nAvanea actively addresses this risk and has built up a reserve for this purpose, the so-called partial liquidation reserve.\nIf, 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.\nIf 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.   <\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Freedom of choice and flexibility<\/strong> <br\/>The pension plans and benefits are defined flexibly on the basis of the company&#8217;s needs and can be adjusted at any time.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Predictability<\/strong> <br\/>In the interests of the insured persons, all risk benefits are defined transparently as a percentage of the insured salary.\nThis 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. <br\/><br\/>There are numerous arguments in favor of the Avanea Pension Fund.\nTake a few minutes to find out more about your advantages as an employer and employee with Avanea Pensionskasse. <\/li>\n<\/ul>\n\n\n<div class=\"gb-container gb-container-95a31755 grey_box scroll-target animation_righttoleft\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-962d107c\">\n<div class=\"gb-grid-column gb-grid-column-4a3bc954\"><div class=\"gb-container gb-container-4a3bc954\">\n\n<div class=\"gb-headline gb-headline-64e9829e gb-headline-text\">10<\/div>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-86816dc9\"><div class=\"gb-container gb-container-86816dc9\">\n\n<h2 class=\"gb-headline gb-headline-1776931e gb-headline-text\">  good reasons<\/h2>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-8fcb55ce\"><div class=\"gb-container gb-container-8fcb55ce\">\n\n<h3 class=\"gb-headline gb-headline-7d09b38f gb-headline-text\">Your advantages  <a href=\"https:\/\/avanea.ch\/en\/advantages\/\">&gt;<\/a><\/h3>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n<h3 class=\"gb-headline gb-headline-ac8d61ad gb-headline-text\"><strong>BVG solutions for small and medium-sized companies<\/strong><\/h3>\n\n\n\n<p>Avanea Pensionskasse offers pension solutions for companies and private employers from every sector (with the exception of the catering industry).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Plan selection<\/strong> <br\/>Avanea Pensionskasse offers its customers full flexibility in plan selection in accordance with Swiss law.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pricing<\/strong> <br\/>Avanea Pensionskasse does not apply sector pricing.\nIrrespective 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 Pension Fund will show you any savings.   <\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Uniform risk premium<\/strong> <br\/>With most pension solutions, the risk premiums are adjusted annually based on the age of the insured persons.\nAvanea Pensionskasse, 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.\nThis helps you to better plan your personnel expenses.   <\/li>\n<\/ul>\n\n\n<div class=\"gb-container gb-container-ffa5bc57\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-70bc0d22\">\n<div class=\"gb-grid-column gb-grid-column-b5337717\"><div class=\"gb-container gb-container-b5337717\">\n\n<a class=\"gb-button gb-button-32123c07 gb-button-text\" href=\"https:\/\/avanea.ch\/en\/request-a-quote\/\">Offers  &gt;<\/a>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-9cb10789\"><div class=\"gb-container gb-container-9cb10789\">\n\n<a class=\"gb-button gb-button-addaab2c gb-button-text\" href=\"https:\/\/avanea.ch\/en\/request-for-advice\/\">Consulting  &gt;<\/a>\n\n<\/div><\/div>\n<\/div>\n\n\n<div style=\"height:0px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<\/div>\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"gb-headline gb-headline-9abe9c8f gb-headline-text\"><strong>BVG solutions for start-ups<\/strong><\/h3>\n\n\n\n<p>Avanea Pensionskasse is the ideal partner for young Swiss companies.\nRegardless of the sector, we offer secure BVG solutions with optimum benefits for start-up companies.\nUnlike many providers, Avanea Pensionskasse does not charge any industry-specific surcharges or minimum insurance premiums.  <\/p>\n\n\n\n<p><strong>Risk benefits<\/strong><br\/>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:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Disability pension 40%<\/li>\n\n\n\n<li>Partner pension 24%<\/li>\n\n\n\n<li>Child pension 8%<\/li>\n<\/ul>\n\n\n\n<p><strong>Retirement credits<\/strong><br\/>The retirement credits are based on the BVG scale of 7\/10\/15\/18% of the insured salary.<\/p>\n\n\n\n<p>If desired, an additional lump-sum death benefit can be insured, as well as higher risk benefits and savings contributions.\nPlease do not hesitate to request a comparative offer. <\/p>\n\n\n<div class=\"gb-container gb-container-886e11bc\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-1c3ab756\">\n<div class=\"gb-grid-column gb-grid-column-de029aca\"><div class=\"gb-container gb-container-de029aca\">\n\n<a class=\"gb-button gb-button-58f62bc9 gb-button-text\" href=\"https:\/\/avanea.ch\/en\/request-a-quote\/\">Offers  &gt;<\/a>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-bf4b364a\"><div class=\"gb-container gb-container-bf4b364a\">\n\n<a class=\"gb-button gb-button-7cc37345 gb-button-text\" href=\"https:\/\/avanea.ch\/en\/request-for-advice\/\">Consulting  &gt;<\/a>\n\n<\/div><\/div>\n<\/div>\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<\/div>\n\n\n<h3 class=\"gb-headline gb-headline-62e2e0ea gb-headline-text\"><strong>BVG solutions for medium-sized and large companies<\/strong><\/h3>\n\n\n\n<p>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.<\/p>\n\n\n\n<p><strong>Separate account features<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Co-determination in capital investments<\/li>\n\n\n\n<li>Choice of asset manager<\/li>\n\n\n\n<li>Own balance sheet and annual financial statements<\/li>\n\n\n\n<li>Deputies and succession are regulated<\/li>\n\n\n\n<li>Maximum flexibility of a company-owned foundation without additional (financial) obligations and responsibilities of the same<\/li>\n<\/ul>\n\n\n\n<p>Let our specialists advise you on this.<\/p>\n\n\n<div class=\"gb-container gb-container-6768afdf\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-4ffa0a56\">\n<div class=\"gb-grid-column gb-grid-column-30c4f8eb\"><div class=\"gb-container gb-container-30c4f8eb\">\n\n<a class=\"gb-button gb-button-67743cfd gb-button-text\" href=\"https:\/\/avanea.ch\/en\/request-a-quote\/\">Offers  &gt;<\/a>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-6e3f42ad\"><div class=\"gb-container gb-container-6e3f42ad\">\n\n<a class=\"gb-button gb-button-e8bb0df8 gb-button-text\" href=\"https:\/\/avanea.ch\/en\/request-for-advice\/\">Consulting  &gt;<\/a>\n\n<\/div><\/div>\n<\/div>\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<\/div>\n\n\n<h3 class=\"gb-headline gb-headline-996a9237 gb-headline-text\"><strong>Sole proprietorship \/ self-employed persons<\/strong><\/h3>\n\n\n\n<p>The second pillar is not mandatory for self-employed entrepreneurs.\nThe market mainly offers them solutions via the third pillar, while the choice in the second pillar remains rather limited.\nThe law basically allows three solutions for the self-employed:  <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Together with the employees with the same benefits<\/li>\n\n\n\n<li>Affiliation to the contingency fund with benefits in accordance with the statutory minimum<\/li>\n\n\n\n<li>Through a professional association<\/li>\n<\/ul>\n\n\n\n<p>Avanea Pensionskasse cooperates with the professional association <a href=\"https:\/\/patronatschweiz.ch\/?page_id=442\">Verein Patronat Schweiz<\/a> and offers pension solutions for the self-employed.\nThe risk benefits and the savings scale are defined in four different plan variants. <\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><\/td><td>Pension plan A<\/td><td>Pension plan B<\/td><td>Pension plan C<\/td><td>Pension plan D<\/td><\/tr><tr><td><em>Risk benefits<\/em><\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>&#8211; Disability pension<\/td><td>30%<\/td><td>40%<\/td><td>50%<\/td><td>50%<\/td><\/tr><tr><td>&#8211; Spouse&#8217;s pension<\/td><td>18%<\/td><td>24%<\/td><td>30%<\/td><td>18%<\/td><\/tr><tr><td>&#8211; Children Pension<\/td><td>6%<\/td><td>8%<\/td><td>10%<\/td><td>6%<\/td><\/tr><tr><td>&#8211; Add.\nCapital at death <\/td><td>100% \/ 200%<\/td><td>100% \/ 200%<\/td><td>100% \/ 200%<\/td><td>100% \/ 200%<\/td><\/tr><tr><td><em>Risk premiums<\/em><\/td><td><\/td><td><\/td><td><\/td><td><\/td><\/tr><tr><td>&#8211; 25-30 years<\/td><td>1.30%<\/td><td>1.60%<\/td><td>1.80%<\/td><td>1.50%<\/td><\/tr><tr><td>&#8211; 30-39 years<\/td><td>1.80%<\/td><td>2.20%<\/td><td>2.50%<\/td><td>2.10%<\/td><\/tr><tr><td>&#8211; 40-49 years<\/td><td>2.50%<\/td><td>3.00%<\/td><td>3.40%<\/td><td>2.90%<\/td><\/tr><tr><td>&#8211; 50-65 years<\/td><td>3.40%<\/td><td>4.00%<\/td><td>4.60%<\/td><td>3.90%<\/td><\/tr><tr><td>Add.\nCapital at death <\/td><td>0.2%<\/td><td>0.2%<\/td><td>0.2%<\/td><td>0.2%<\/td><\/tr><tr><td><em>Savings contributions<\/em><\/td><td><em>10%<\/em><\/td><td><em>12%<\/em><\/td><td><em>15%<\/em><\/td><td><em>10%<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Please do not hesitate to contact us for further information.<\/p>\n\n\n<div class=\"gb-container gb-container-c57f9892\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-afe12274\">\n<div class=\"gb-grid-column gb-grid-column-e1605891\"><div class=\"gb-container gb-container-e1605891\">\n\n<a class=\"gb-button gb-button-7b3151b0 gb-button-text\" href=\"https:\/\/avanea.ch\/en\/request-a-quote\/\">Offers  &gt;<\/a>\n\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-801b373e\"><div class=\"gb-container gb-container-801b373e\">\n\n<a class=\"gb-button gb-button-32c47686 gb-button-text\" href=\"https:\/\/avanea.ch\/en\/request-for-advice\/\">Consulting  &gt;<\/a>\n\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<h3 class=\"wp-block-heading\">Contact us<\/h3>\n\n<p><strong>Do you have any questions about your company&#8217;s pension solution?  <\/strong><\/p>\n\n<p>Our team will be happy to help you.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Phone<\/strong>: <a href=\"tel:%2024%\">+41 44 680 24 24<\/a><\/li>\n\n\n\n<li><strong>E-mail<\/strong>: <a>info@avanea.ch<\/a><\/li>\n\n\n\n<li><strong>Address<\/strong>: Avanea Pension Fund, Merkurstrasse 3, CH-8820 W\u00e4denswil<\/li>\n<\/ul>\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The advantages of a collective foundation with the security of full insurance Avanea Pensionskasse is unique in many respects. Avanea &#8230; <a title=\"Employer\" class=\"read-more\" href=\"https:\/\/avanea.ch\/en\/employer\/\" aria-label=\"Read more about Employer\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":2037,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-2223","page","type-page","status-publish","has-post-thumbnail"],"acf":[],"_links":{"self":[{"href":"https:\/\/avanea.ch\/en\/wp-json\/wp\/v2\/pages\/2223","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=2223"}],"version-history":[{"count":4,"href":"https:\/\/avanea.ch\/en\/wp-json\/wp\/v2\/pages\/2223\/revisions"}],"predecessor-version":[{"id":3554,"href":"https:\/\/avanea.ch\/en\/wp-json\/wp\/v2\/pages\/2223\/revisions\/3554"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/avanea.ch\/en\/wp-json\/wp\/v2\/media\/2037"}],"wp:attachment":[{"href":"https:\/\/avanea.ch\/en\/wp-json\/wp\/v2\/media?parent=2223"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}