Save costs and increase pension capital thanks to BVG 1e
The guidelines of the pension law (BVG 1e) offer interesting solutions for salaries from CHF 129,060. A BVG 1e plan for your company’s management is therefore an optimal instrument for reducing pension fund costs and at the same time increasing pension capital for employees.
A win-win situation for both parties:
Employers increase their attractiveness and save costs:
- Reduced risk premiums lead to annual savings of up to 50%.
- More liquidity and fewer provisions
- Interesting tax advantages arise for owner-managed companies
Employees improve personal returns and increase their pension capital:
- Significantly higher investment return
- Individual investment strategy tailored to personal situation
- Protection against redistribution and restructuring
The advantages for employers
BVG 1e solutions hold great potential for saving costs.
With a flexible 1e plan for managers, you also increase your attractiveness as an employer. You improve your chances of attracting key employees and retaining them in the long term.
- Better benefits for insured persons
- More self-determination for employees
- Increased loyalty of key personnel
In the case of owner-managed companies, BVG 1e solutions also offer interesting tax advantages, both in the savings phase and when the retirement assets are withdrawn.
Companies that prepare their accounts in accordance with IAS, IFRS and US GAAP benefit from the fact that BVG 1e plans are defined as contribution pension solutions, which is why the contributions do not have to be recognised as a pension liability. Previously formed reserves can be released and free up liquidity.
The advantages for employees
A BVG 1e solution has three positive effects on retirement capital:
- thanks to the elimination of redistribution, the full investment return is credited
- lower costs increase the effective return year after year
- individually selectable investment strategy improves the risk/return ratio
Over a longer time horizon, this leads to significantly higher retirement capital.
31% more retirement capital thanks to individual BVG 1e solution
What is important to consider?
The market for BVG 1e collective schemes is developing. The providers differ greatly in terms of costs, flexibility and transferability. The selection of the right 1e collective investment scheme therefore requires a precise analysis. With a BVG 1e solution tailored to your needs, you can make the most of the opportunities offered by occupational pension provision – you save costs, improve returns and increase retirement capital.
At the same time, you increase your attractiveness as an employer. A modern occupational benefits solution helps you find key employees for your company and strengthen their loyalty, which has a positive effect on employee satisfaction and thus contributes to business success.
We will find the optimal solution for you
As an independent pension advisor and asset manager, PARSUMO is ideally suited to find the best solution for you. We will gladly assist you in analysing your needs, compare the various offers for you and support you in the selection process.
We would be happy to show you how you can implement an optimal 1e solution in a personal meeting.
