With a BVG 1e pension solution tailored to your needs as an entrepreneur, you can take advantage of the new pension legislation in a very targeted manner.
In terms of taxes, the 2nd pillar represents the most privileged assets for all active employees in Switzerland. Contributions to the system receive favorable tax treatment, savings are tax-free, retirement assets are exempt from wealth tax and withdrawals of assets on retirement are subject to reduced tax rates.
With the mandatory BVG pension, factors such as the conversion rate set at 6.8%, the legally required minimum interest rate, demographic changes occurring within the Swiss population and the negative interest rate environment have resulted in a reallocation of funds from the non-mandatory pension to the mandatory pension. Depending on the pension fund, this reallocation effect ranges from 1% to 2% annually. In addition, insured persons have no influence over the pension fund’s investment strategy.
Benefits for the company and your key employees
With the addition of a BVG 1e plan to your current pension scheme structure, you will be able to protect yourself and your key employees against the reallocation effect. At the same time, you will ensure that you can take advantage of the tax-privileged accumulation of assets and the investment success of your individual investment strategy will be credited to you in full.
What to note
The market for BVG 1e pension schemes is currently in development and various offerings are available on the market. Depending on your BVG plan needs, a comparison of the various 1e collective foundation offerings can be helpful and will enable you to reduce your current employee expenses in almost all cases. For individual insured persons, financial planning considerations will be even more important and support the individual accumulation of assets substantially.
As an independent asset manager, we can help you analyze and select the right 1e collective institution. We also offer private individuals independent financial services.
In a personal meeting, we would be pleased to show you how you can set up a 1e solution for yourself.