The amount of future retirement benefits depends mainly on the interest earned on the retirement capital. It thus makes a big difference whether it earns interest at the statutory minimum rate of 1%, which normally applies with full-value insurance, or 2%, which is possible over the long term with a semi-autonomous solution. Doubling the rate of interest can increase a person's pension by up to 20% over the course of their working life up to retirement thanks to compound interest. This could mean several hundred francs more a month for some people.
As Switzerland's biggest insurer of SMEs, AXA is entirely focused on semi-autonomous solutions. These allow companies and their staff to enjoy better conditions while at the same time improving generational fairness within the second pillar.