Members have access to pension solutions to protect against the financial consequences of retirement, death and disability. The Association aims to offer its members modern and progressive solutions with attractive risk premiums.
To support its members in their choice of occupational benefits, the Swiss Association of Entrepreneurs offers voluntary occupational benefits to self-employed professionals without employees operating in the following fields:
BVG pension solutions for self-employed persons
Self-employed persons may choose from one of five pre-defined plans.
| Aquamarine | Opal | Emerald | Sapphire 1e Flex not possible |
Diamond 1e Flex not possible |
|
|---|---|---|---|---|---|
| Reported wages | 90'720 | 136'080 | 136'080 | AHV Wage | AHV Wage |
| Coordination deduction | 26'460 | 26'460 | 0 | 26'460 | 0 |
| Insured wages | 64'260 | 109'620 | 136'080 | AHV salary minus coordination deduction |
AHV Wage |
| Savings | 7/10/15/18 % | 7/10/15/18 % | 7/10/15/18 % | 9/12/17/20 % | 10/15/25/25 % |
| Premium exemption | Waiting period 3 / 6 Mt. | Waiting period 3 / 6 Mt. | Waiting period 3 / 6 Mt. | Waiting period 3 / 6 Mt. | Waiting period 3 / 6 Mt. |
| Disability pension | BVG - 70 % | BVG - 70 % | BVG - 70 % | BVG - 70 % | BVG - 70 % |
| IV Child pension | BVG - 20% | BVG - 20% | BVG - 20% | BVG - 20% | BVG - 20% |
| IV Waiting period | 12 Mt. / 24 Mt. | 12 Mt. / 24 Mt. | 12 Mt. / 24 Mt. | 12 Mt. / 24 Mt. | 12 Mt. / 24 Mt. |
| Spouse‘s pension | BVG - 30% | BVG - 30% | BVG - 30% | BVG - 30% | BVG - 30% |
| Orphan‘s pension | BVG - 20 % | BVG - 20 % | BVG - 20 % | BVG - 20 % | BVG - 20 % |
| Death benefits | 100 - 300 % | 100 - 300 % | 100 - 300 % | 100 - 300 % | 100 - 300 % |
1e pension solutions for self-employed persons
For their 1e pension solution, self-employed persons may choose from a selection of four pre-defined plans. As an independent pension platform, Liberty offers customised securities solutions from renowned banks and asset managers.
| Aquamarine | Opal | Sapphire | Diamond | |
|---|---|---|---|---|
| Reported wages | AHV Wage | AHV Wage | AHV Wage | AHV Wage |
| Coordination deduction | 136'080 | 136'080 | 136'080 | 136'080 |
| Insured wages | AHV salary minus coordination deduction |
AHV salary minus coordination deduction |
AHV salary minus coordination deduction |
AHV salary minus coordination deduction |
| Savings | 10/10/10/10 % | 15/15/15/15 % | 20/20/20/20 % | 25/25/25/25 % |
| Premium exemption | Waiting period 3 / 6 Mt. | Waiting period 3 / 6 Mt. | Waiting period 3 / 6 Mt. | Waiting period 3 / 6 Mt. |
| Disability pension | 10 - 70 % | 10 - 70 % | 10 - 70 % | 10 - 70 % |
| IV Child pension | 0 - 10 % | 0 - 10 % | 0 - 10 % | 0 - 10 % |
| IV Waiting period | 12 Mt. / 24 Mt. | 12 Mt. / 24 Mt. | 12 Mt. / 24 Mt. | 12 Mt. / 24 Mt. |
| Spouse‘s pension | 0 - 30% | 0 - 30% | 0 - 30% | 0 - 30% |
| Orphan‘s pension | 0 - 10 % | 0 - 10 % | 0 - 10 % | 0 - 10 % |
| Death benefits | 100 - 500 % | 100 - 500 % | 100 - 500 % | 100 - 500 % |
The Association also has a large network of partners renowned for their competence and quality of service.