Our pension solution Client Invest

Alternative to an in-house occupational benefits foundation
Ideal for medium-sized and large enterprises
High level of individuality, flexibility, and personal responsibility
Key points at a glance
  • High level of individuality: Invest your pension capital individually and benefit from the resulting performance as well as from your own coverage ratio and operating account.
  • You make the pension decisions: Client Invest is the pension solution where you decide on the investment strategy, interest rate, and performance targets yourself.
  • Strong partnership: We offer an individual return, a sustainable portfolio if you wish, and maximum transparency.

Product features of Client Invest

The semi-autonomous Client Invest solution allows companies to keep control of their occupational benefits: They enjoy ideal conditions for an independent pension and investment concept, while benefiting from professional advice.

  • What are the advantages of 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
  • How are conversion rates and retirement pensions handled?
    • 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.
  • What does semi-autonomous pension model mean?

    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.

  • What does individual investment strategy mean?

    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.

Client Invest – the strong partnership for your occupational benefits fund

Client Invest benefits are just as individual as your pension requirements. Affiliation with the Columna Collective Foundation Client Invest enables you to benefit from our extensive expertise.

  • What administrative services can you take advantage of?
    • Client Invest handles full professional administration and management of your pension solution.
    • We will assist you with preparing the annual financial statements and implementing the regulations decided by the Board of Trustees.
  • How can you benefit from our digital services?
    • You are given access to our collective foundations set-up for maximum convenience.
    • You can also access state-of-the-art digital tools such as:
      • the myAXA pensions portal: online planning and information on pension themes
      • management: contractual data and insured data at a glance
      • Swibeco – benefits platform for employees
      • WeCare – Corporate Health Management
  • What advantages does AXA Asset Management offer?
    • We will assist you with implementation via the strategy fund or an individual investment strategy.
    • You benefit from a best-in-class approach and high sustainability standards.
    • You receive unique market access to attractive asset classes.
    • We guarantee a top price/benefit ratio due to economies of scale.
  • How are the risks delegated with Client Invest?
    • Direct coverage of the biometric risks of death and disability by AXA Life Ltd on the basis of risk-based tariffs
    • Professional support from CareManagement

About the Foundation

The Columna Collective Foundation Client Invest in Winterthur was founded on March 20, 1974. Its purpose is to arrange occupational retirement, survivors’, and disability pension provision for its affiliated companies. It provides benefits in accordance with the compulsory occupational benefits plan and also offers pension plans that exceed the minimum statutory requirements.

Characteristics and concept

Management of investments

  • The occupational benefits fund commission defines the investment strategy; the affiliated occupational benefits fund bears the investment risk.
  • The assets are invested by AXA Asset Management, Credit Suisse, or another licensed asset manager.

Protection of pension benefits

  • Benefits due if an insured person becomes disabled or dies before they reach the reference age (formerly: normal retirement age) are reinsured with AXA Life Ltd.
  • The Foundation pays the retirement benefits and the associated survivors pensions in the event of the insured person’s death after they have reached the reference age (formerly: normal retirement age).

Administration and management

  • AXA Life Ltd

Downloads

Board of Trustees

The Board of Trustees of the Columna Collective Foundation Client Invest is composed of the following members:

  • Marco Born

    Marco Born (Chair)

    Employer representative

    Solvias AG, Kaiseraugst
    Head of Human Resources

  • Christoph Haller

    Christoph Haller

    Employer representative

    CGS Management AG, Pfäffikon SZ
    Board of Directors and Member of the Executive Board

  • Alain Staub

    Alain Staub

    Employer representative

    Ewopharma AG, Schaffhausen
    Chairman of the Board of Directors and CEO

  • Dr. Markus Romberg

    Dr. Markus Romberg

    Employee representative

    STAR AG, Ramsen
    Project Manager, Consultant, Administrator

  • Friedrich Vorholzer

    Friedrich Vorholzer

    Employee representative

    Buss Chem Tech AG, Pratteln
    Buyer

  • Dr. Matthias Wick

    Dr. Matthias Wick

    Employee representative

    Cisco Systems (Switzerland ) GmbH, Wallisellen
    Head of Software Business

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