Professional Invest is the semi-autonomous pension solution from the AXA Foundation for Occupational Benefits. Thanks to its enormous flexibility, it can offer custom-tailored, high-performance pension solutions for companies from startups to world-ranking corporations.
A high coverage ratio, a very low proportion of retirees by market standards, and market-oriented conversion rates give Professional Invest a unique structural and financial base.
In addition, Professional Invest smooths market volatility with its risk-aware and diversified investment strategy, offering insureds opportunities to obtain sustainable returns.
Professional Invest benefits both you and your employees: It gives your company a pension solution tailored to your needs – with a unique base. Your employees benefit from high retirement pensions and many additional benefits. Here is an overview of the advantages of Professional Invest:
Professional Invest has been a semi-autonomous pension fund solution since the beginning of 2019. That gives it far greater flexibility in determining its investment strategy than a full insurance-type solution, where investment opportunities are restricted by tight regulatory constraints. In the long term, the semi-autonomous solution results in higher retirement assets.
Since the investment returns are just as important as the conversion rate for future pension benefits, in the long term a semi-autonomous pension solution with carefully diversified investments offers scope for higher investment yields and thus higher returns for insureds.
It makes a big difference whether the retirement assets earn 1 %, i.e. the BVG minimum interest rate, or 2 %, which is possible with a semi-autonomous solution. Over the course of an insured's working life up to retirement, compound interest significantly increases their retirement assets and thus their retirement benefits.
In the long term, a semi-autonomous collective foundation offers companies and their employees considerably better prospects of high pension benefits.
As a semi-autonomous solution, the AXA Foundation for Occupational Benefits has far greater flexibility in determining its investment strategy so it can utilize the advantages of different asset classes. This can increase investment yields in the long term, leading to higher returns for insureds. In recent years, the interest paid on retirement assets was as follows:
In 2020, interest of 2.25 % was paid on the mandatory part of the assets 3.00 % on the extra-mandatory part. In 2021, interest was 3.00 % on the mandatory part and 5.00 % on the extra-mandatory part.
The strengths of AXA’s asset management operations are global experience, local expertise, and its risk-conscious investment philosophy.
AXA's pension solutions stand out due to the considerable flexibility of their structures. Find out more about the other pension solutions available from AXA.