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Invest retirement capital individually 1e Invest: choose your investment strategy

Your employer has chosen AXA's 1e plan for occupational benefits (Pillar 2). With 1e Invest, you decide how to invest your 1e pension capital.

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Key points at a glance
  • Thanks to AXA's 1e Invest, the insured can choose their own investment strategy for their pension capital on salary portions above CHF 136,080.
  • There are five different investment strategies to choose from, with the equity portion varying from 0-75%. 
  • Work out your personal risk profile and investment strategy quickly and easily through myAXA.
Have questions? Just get in touch with us

How does 1e Invest work and what's special about it?

The OPA offers the insured with a salary of more than CHF 136,080 the opportunity to invest their pension capital individually on salary portions above this threshold. This means that you choose your own investment strategy on salary portions above CHF 136,080. If your employer defines a higher entry level than this statutory one, this information will be contained in the pension plan.

Depending on the risk profile, you can choose from five different investment strategies – from a low-risk strategy with no equities whatsoever to an equity portion of 75%. The investment returns generated are credited in full to your personal retirement assets. At the same time, you also bear the corresponding risk in the event of a negative performance of the investment.

Important: This is what you need to do now

Choose your own investment strategy on myAXA. If you don’t choose an investment strategy, your pension assets will be invested in a low-risk investment strategy without equities. To choose your required investment strategy, you should do the following:

  1. Sign up to myAXA.ch and open the pensions portal.
  2. Follow the instructions in the portal to link 1e Invest to your myAXA account.
  3. Work out your personal risk profile using the risk questions.
  4. Choose your own investment strategy; you can amend it whenever you like.

Still haven't signed up to myAXA? Here's a step-by-step guide on how to do it

Sign up to myAXA: Just a few steps to the digital pensions portal.

You need a personal access code (PIN) to sign up to myAXA; this will be sent to you in the mail. If you can't find the letter containing the access code, you can request a new personal access code.

Which investment strategies are there?

There are five investment strategies to choose from, with the equity portion varying from 0-75%. myAXA gives you detailed information on investment strategies as soon as you have linked the 1e solution to your myAXA account. 

Choose investment strategy now
Illustration showing the different investment strategies with the relevant designation, composition (liquidity, bonds, equities and real estate) as well as the expected return with monthly rebalancing.

Frequently asked questions

What do I need to sign up to myAXA?

You need a personal access code (PIN) to sign up to myAXA; this will be sent to you in the mail. If you can't find the letter containing the access code, you can request a new PIN.

How do I choose the right investment strategy for me?

Your own investment horizon, personal risk tolerance as well as individual expectations and investment goals in particular are crucial for the choice of investment strategy. This means that preferences vary widely. Answer a few questions to work out your risk profile in the pensions portal on myAXA and choose your preferred investment strategy. You can change your investment strategy whenever you like.

Can I divide my assets and choose more than one investment strategy?

No, that is not possible. The law states that for 1e plans per person, only one investment strategy can be chosen for all the 1e assets.

Who takes care of the investments?

AXA Asset Management is responsible for managing the assets.

What happens if I don't choose an investment strategy?

If you don’t choose an investment strategy, your pension assets will be invested in the low-risk investment strategy without equities.

What should I do if the financial markets perform negatively?

Fluctuations occur regularly on the financial markets. In volatile periods in particular, experts recommend keeping calm and not making any hasty decisions. Experience shows that over time, the financial markets often recover, although there is no guarantee about this. In other words, there will always be a certain degree of uncertainty. Fluctuations can often be balanced out again over time, particularly over a long investment horizon. You are of course free to amend your investment strategy if you wish at any time without incurring any costs. As you choose your own investment strategy, you also bear the risk of loss.

How are 1e assets and purchases treated for tax purposes?

The same rules normally apply to 1e assets as to other pension assets. There is neither wealth tax on pension capital nor income tax on the returns. You can also deduct voluntary purchases from taxable income.

Cantonal provisions apply respectively. Please contact the responsible tax office should you have any specific questions.

Can I make voluntary purchases?

Yes, provided you haven't reached the maximum potential purchase level. You can calculate the maximum purchase amount on myAXA and make a purchase at your request.

Is it possible to make an advance withdrawal to finance home ownership?

Yes - go to myAXA to calculate your options and download the relevant form.

When and how can I withdraw money from my 1e pension?

The 1e pension is used as the basic pension for retirement provision. You can therefore only withdraw the money when you retire, unless you use all or part of the assets as an early withdrawal to fund home ownership (WEF). If you become self-employed or move abroad, you can also have the assets paid out before retirement.

This is always paid out as a lump sum, as it is not possible to have the assets paid as an annuity.

I am leaving the 1e solution. What should I keep in mind?

If you leave the Foundation 1e, e.g. due to a job change, the pension assets will be transferred to the new pension fund, or if there is no new pension fund yet, to a vested benefits account of your choice. With a vested benefits solution, you have the option of reinvesting your retirement assets in a similar investment strategy.

If you'd like to have the retirement assets paid out due to self-employment or a move abroad, the assets will be paid out directly to you.

When you leave the Foundation, the actual amount of retirement assets will be paid out to you on that date. It can sometimes be a good idea to review the investment strategy again and amend if necessary as soon as you know your exact leaving date. Please get in touch with your AXA contact person if you have any questions or would like a consultation before you leave.

Your contact person for further questions

If you have any further questions, please get in touch with your AXA contact person.

AXA Foundation 1e

In the Foundation area you will find everything you need to know about your occupational benefits institution – from the Board of Trustees to the latest news and key documents relating to your 1e invest pension solution.

To the AXA Foundation 1e