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1e Pension Provision Solutions

With a 1e Pension Provision Solution tailored to your needs as an entrepreneur, you can take full advantage of the new pension legislation.

Advantages

For all active working people in Switzerland, the 2nd pillar (occupational pension) is the most interesting asset size from a tax perspective. Payments into the 2nd pillar are tax-privileged, savings are tax-free, retirement assets are exempt from wealth tax, and assets are withdrawn on retirement at reduced tax rates.

Challenges

In the mandatory occupational pension, the conversion rate fixed at 6.8%, the statutory minimum interest rate, the demographic development of the Swiss population and the continuing negative interest rate environment lead to a redistribution of assets. This redistribution which is used to finance pension benefits takes place in the mandatory occupational pension and, above all, from the extra-​mandatory pension. Depending on the pension fund, the redistribution effect amounts to between 1 and 2 percent per annum.
In addition, the insured persons have no influence on the investment strategy of the pension fund.

Benefits for your company and your key employees

By integrating a 1e Pension Provision Solution into your existing pension structure, you protect yourself and your key employees from redistribution. At the same time, you ensure that you make the best possible use of your occupational benefits to build up tax-privileged assets on your own responsibility. The investment success of your individual investment strategy is credited to you 100 percent.

Things to consider

The market for 1e collective foundations is developing and the providers vary widely in terms of cost, flexibility and transferability. Based on your personal needs, a comparison of the offers of different 1e collective foundations is helpful and in almost all cases allows you to reduce the costs of your previous personnel expenses.
Financial planning considerations are becoming increasingly important for the individual insured, as 1e solutions provide considerable support for individual asset accumulation.
As an independent asset manager, we support you and your company in the analysis and selection process of the appropriate 1e collective foundation. In addition, we provide independent financial planning services for you as a private individual.
We are happy to show you how to implement an optimal 1e solution in a personal meeting.

 

Contact

Contact us by phone at +41 43 288 29 00, email or Twitter. You can also send us your request via our contact form. We'll be delighted to get in touch with you.

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PARSUMO Capital AG is an asset manager of collective investment schemes, under FINMA supervision and member of the Swiss Association of Asset Managers (SAAM)
PARSUMO Capital AG
Förrlibuckstrasse 30
CH-8005 Zurich
Tel +41 43 288 29 00
Fax +41 43 288 29 09
info@parsumo.com
PARSUMO Capital AG © 2020 | Legal Info | Data Privacy
LEI No. 8945004OAFICRX75O180 | VAT: CHE-115.886.589
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      • Marcel Burger
      • Lucas Widmer
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