An association solution that creates added value for you

Self-employed persons without employees are not subject to mandatory occupational benefits. They have the option of voluntary coverage through the Swiss Association of Entrepreneurs.

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:

  • Medicine
  • Law
  • Management Consulting
  • Construction
  • Finance

 

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.

Read more here