The Swiss Association of Entrepreneurs offers collective benefits coverage for self-employed persons.

Liberty provides solutions securing retirement, death, and disability benefits.

Self-employed persons who have no employees may structure their retirement savings plans at their discretion. A self-employed person, as defined by the social security office (SVA Sozialversicherungsanstalt), is a sole proprietor, limited or general partner who settles accounts with their customers directly. Only contributions to the first pillar are compulsory, in particular to the old age and survivors' insurance (AHV), the disability insurance (IV) and the income compensation scheme (EO). Self-employed persons pay these contributions themselves. However, providing for their retirement should not be neglected. 

For this purpose, self-employed persons have a number of options available to them, both in the second and third pillars. The relevant contributions can be deducted from their income on their income tax filings. Self-employed persons who wish to join a pension fund may do so through a professional association for example.

For this purpose, the Swiss Association of Entrepreneurs has established its own occupational benefits scheme for its members. 

Self-employed persons without employees can therefore have access to individual occupational benefits coverage. In addition to basic coverage, the offer includes attractive Bel Étage solutions (BVV2 1e plans) for income over CHF CD_J_Kadervorsorge_EinkommenLohn_EN per year (status CD_J_BVG_Basis_Stand). Liberty BVG Collective Foundation is the exclusive partner of the Swiss Association of Entrepreneurs for mandatory and extra-mandatory pension solutions.

Self-employed persons may also save for their retirement with a pillar 3a solution. Contributions of up to 20% of their annual income, capped at CHF CD_J_UK_3a_maxBetragSE_EN per year (status CD_J_BVG_Basis_Stand) – may be deducted from their taxable income.

SMEs rely on our occupational benefits institution.

By law, companies are obligated to contract occupational benefits coverage for their employees. This can become a challenge for SMEs in particular. A recent survey conducted by IFZ, Zug (Institute for Financial Services Zug) shows that the topic of occupational benefits is important for companies, regardless of their size. Through an attractive pension plan, companies can display themselves as socially responsible.

Most companies place great trust in their pension institution for the provision of the promised occupational benefits. They consider their occupational benefits institution as financially sound and transparent. Security is in high demand. Regardless of a company’s size and the chosen pension solution, the majority prioritise security over returns. They are willing to pay a price for the additional security. Accordingly, guarantees have a high value among companies. This is also true because most SMEs would not be able to provide sufficient financial resources in the event of restructuring– as the IFZ survey shows.

Freedom of choice regarding the pension model and provider is important for companies.. While the freedom to choose their pension model is important for all companies regardless of their size, with regard to the provider it is significantly more important for SMEs than for larger companies. 

Liberty already satisfies the level of expectations reported in the IFZ survey and offers its SME clients various collective solutions that meet the highest standards in terms of security, transparency, and pricing.
Small companies have a special interest in simplified pension plan administration. Liberty manages the entire BVG administration, allowing our clients to focus on their core business. At the same time, they can count on our personal client service to offer uncomplicated, competent, and quick support.

Other interesting topics :

• What does the basic benefits scheme cover?
• What does the management scheme cover?
• What does the 1e Flex scheme cover?

Your large company will benefit from our modular BVG system

For a large company, good risk coverage, a broad range of investment options and a minimised administrative burden is essential in terms of occupational benefits. If your company chooses not to establish its own autonomous occupational benefits foundation, it can join a collective foundation. In principle, you may choose between a full insurance solution and a semi-autonomous solution.

With full insurance, the pension fund passes on the risks of death and disability to an insurance company. Full insurance offers members a comprehensive guarantee with full risk coverage. This includes investment and longevity risks.

In a semi-autonomous solution, the foundation and, accordingly, the affiliated companies and insured members bear the risks of investment.If  markets develop favourably, members will benefit from a higher interest rate on their pension assets and thus  also from higher retirement benefits.

Semi-autonomous foundations can be structured in different ways: depending on the solution, the investment decision lies with the board of trustees, the affiliated employer, or with the insured member in the case of a 1e solution.

Liberty has developed individual BVG modules for its large corporate clients. With Pool Invest, we can offer a joint solution. This consists of a basic benefits scheme and a management solution. The basic benefits scheme provides mandatory insurance coverage of the annual BVG contributory salary, while the management solution offers attractive extra-mandatory benefit plans.

Our individual investment solution with Mandate Invest, on the other hand, gives you the opportunity to define your investment strategy yourself or together with your advisor or asset manager.. This active involvement offers employers and account-holders an attractive opportunity to enhance their retirement benefits and optimise taxation.