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.
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