Pension funds which only insure extra-mandatory benefits over a salary of CHF 125,280 may offer their members different investment strategies within a single benefits scheme. Pension holders can thus opt for an investment strategy offering higher returns but involving greater risk.
For the time being, when those pension holders leave the pension fund, the pension fund is obligated to pay them the minimum termination benefit calculated in accordance with the Vesting Law (FZG/LFLP). They are still entitled to the minimum benefits if, owing to the chosen investment strategy, their pension assets have lost value. In such cases, in other words, the loss is borne by the members remaining with the pension fund.
The Federal Council has now sent the motion proposed by National Councillor Stahl into public consultation. Occupational benefits institutions offering a choice of investment strategies may in future give members who exit the pension fund or change investment strategy only the actual value of their pension assets. Occupational benefits institutions will, however, have to offer members at least one investment strategy with the guaranteed minimum termination benefit in accordance with the FZG/LFLP.
Liberty Flex Invest Foundation (Bel Etage) offers companies and their managerial staff attractive extra-mandatory benefits and investment options. Liberty already offers pension holders secure investment strategies with guaranteed minimum benefits in accordance with Article 17 FZG/LFLP.
We will keep you abreast of developments in the consultation process. Our staff is at your disposal for information or consulting without obligation.