Thanks to investment pooling, medium-sized companies in particular benefit from a considerable rise in efficiency and lower costs with this semi-autonomous concept. For years, Group Invest has proven that security and attractive average interest rates are also possible during periods of considerable market price fluctuations. The financial risks of death and disability are borne by AXA.
What are the advantages of Group Invest?
Pooled investments with optimized earnings and risk
The pension assets of all affiliated companies are invested and managed on the basis of a uniform investment strategy by the collective foundation, together with Credit Suisse and AXA. Based on positive developments in the financial markets, a performance-oriented investment concept generates long-term returns that exceed the statutory minimum interest rate.
The Board of Trustees of the collective foundation sets the interest rate for the retirement assets in accordance with the interest model. This is based on the expected coverage ratio at the end of the year. The savings contributions and interest determine how the retirement assets develop.
The Board of Trustees cares about making sure that you and your employees can maintain the standard of living you are used to in retirement, and it does so by taking advantage of opportunities on the capital markets. It has therefore defined two sub-strategies for mandatory and extra-mandatory assets. These form the basis of the interest model. As a rule, for example, higher interest tends to be paid on extra-mandatory retirement assets. The prospect of higher interest in turn leads to higher retirement benefits for insured persons.
This investment strategy offers you the following advantages:
“With two different investment strategies, we offer our customers security coupled with the prospects of higher interest. This makes it possible for us to allow you to maintain your standard of living in your retirement.”
The Columna Collective Foundation Group Invest, Winterthur, was established on March 15, 1984. Its purpose is to manage the occupational old-age, survivors’ and disability benefits insurance of its affiliated companies. As well as providing mandatory occupational benefits insurance, it also offers pension plans that exceed the minimum requirements of the law.
Management of investments
Protection of pension benefits
Administration and management
The Board of Trustees of the Columna Collective Foundation Group Invest is composed of the following members: