We are pleased to introduce our new 90\/90 pension model, which is now available to all Avanea Pensionskasse members.\nThis innovative model has been developed to ensure even more flexible and secure retirement provision. <\/p>\n\n
What is the 90\/90 pension model?<\/strong><\/p>\n\n The 90\/90 pension model is based on the idea of paying out 90% of the retirement pension in a fixed and secure manner, while the remaining 10% can be used to finance a higher spouse’s pension.\nThis flexibility enables insured persons to respond individually to their personal needs and circumstances. <\/p>\n\n Main advantages of the 90\/90 pension model:<\/strong><\/p>\n\n Planning security:<\/strong> 90% of your retirement pension is paid as a fixed, guaranteed payment.\nIn the event of your death as a pensioner, your surviving spouse will receive the same amount as a spouse’s pension.\nThis provides a solid foundation and ensures financial stability and security. <\/p>\n\n How does the 90\/90 pension model work?<\/strong><\/p>\n\n 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’s prospective retirement pension is increased to 100%.\nIn the event of death, the spouse thus receives a spouse’s retirement pension that is the same as the retirement pension. <\/p>\n\n Example: <\/strong>Man, married, retirement assets at retirement age CHF 300,000.\nAge at retirement 65 years <\/p>\n\n Traditional: CHF 300,000 x conversion rate of 6.1% results in a retirement pension of 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 an unchanged reversionary spouse’s retirement pension of CHF 16,470.00.<\/p>\n\n Who can benefit from the 90\/90 pension model?<\/strong><\/p>\n\n The 90\/90 pension model is open to all Avanea Pensionskasse policyholders.\nIt is aimed in particular at those who, in addition to a stable pension, also value flexibility and want to structure their pension individually. <\/p>\n\n Further information and advice:<\/strong><\/p>\n\n We will be happy to provide you with detailed information and personal advice on the 90\/90 pension model.\nContact our team and let’s work together to find the best solution for your retirement provision. <\/p>\n\n Your Avanea Pensionskasse team is looking forward to offering you an innovative and flexible retirement provision option with the 90\/90 pension model.\nStart today into a secure and individual future! <\/p>\n","protected":false},"excerpt":{"rendered":"\n