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.
Some 98% of Swiss companies, especially SMEs, have opted for a collective foundation solution. Our blog explains what collective foundations are all about and sheds light on their pros and cons.
Learn more about the pros and cons of each and how to choose between them.
We spoke with Daniel Gussmann, Chief Investment Officer of AXA Switzerland, about modern pension fund solutions and the challenges posed by the capital market.
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