Our pension solution Client Invest

• Independent determination of the investment strategy for the pension assets by the occupational benefits fund commission
• Performance-oriented asset management by AXA Asset Management, Credit Suisse, or another licensed asset manager
• Conversion rates determined by the occupational benefits fund commission
• Opportunities for additional earnings and higher interest
• Dedicated annual financial statements pursuant to Swiss GAAP FER no. 26
• Coverage of the actuarial risks of disability and death
• Cost-effective alternative to in-house foundation

• Retirees are transferred from the occupational benefits fund to the Foundation.
• The occupational benefits fund can take over the conversion rates determined by the Foundation or set its own.
• It can define a higher conversion rate for extra-mandatory benefits or one comprehensive conversion rate.
• The provisions needed to finance retirement losses and any higher conversion rates are calculated by the pension fund actuary on an annual basis.
• Provisions participate in the investment performance of the occupational benefits fund.

The risk benefits of death and disability are guaranteed by AXA. The occupational benefits fund, however, bears the investment risk for the retirement assets of the insured and also decides on how any additional earnings are to be used.

The strategy analysis forms the basis for the asset management of a pension solution. The company’s occupational benefits fund commission defines the investment strategy taking into account the risk capacity, risk tolerance, and target return. The companies are supported in these key processes and decisions by AXA Asset Management, Credit Suisse, or another asset manager of their choice.