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Key points at a glance
- Individual investment assets: With 1e Invest, insureds can themselves determine how their pension capital on salary components above the limit of CHF 136,080 is invested.
- Freedom to decide: Your staff choose their investment strategy themselves, in line with their personal preferences.
- Attractive conditions: No unwanted redistributions or restructuring contributions are incurred for your employees.
Alternatively, your questions can be answered quickly and easily by phone: You can arrange an appointment here.
What we offer
The BVG/OPA offers insured with a salary of over CHF 136,080 the opportunity to invest their pension capital more individually. Salary amounts above this threshold can be insured in a separate pension solution such as 1e Invest. With this solution, insureds choose the investment strategy that suits their personal retirement circumstances. What’s more, the 1e solution from AXA provides companies that apply international accounting standards (IFRS, US GAAP) with opportunities to lighten their balance sheets.
Features of our 1e pension provision
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What are the advantages for employees?
- Whereas investment strategies are predefined in regular pension schemes (second pillar), with 1e pension provision you benefit from individual investment solutions offering complete transparency on costs as well as investment income.
- Protection against redistribution and restructuring contributions
- Flexible and digital – switching investment strategies does not generate any costs
- No tax on interest and dividend income
- Retirement assets are paid out with no deductions in the event of death
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What are the advantages for employers?
- Enhances appeal as an employer
- Flexible design of occupational benefits plans and digital processing
- Transparent cost premium irrespective of assets invested
- Actuarial risks of disability and death covered by AXA Life Ltd
- Balance sheet relief with international accounting (IFRS, US GAAP)
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What digital services are included?
1e Invest allows employers to handle administrative tasks quickly and easily on a digital basis. For example:
- Administration of insureds, plan, and securities
- Portfolio management per insured
- Individual portfolio administration and monitoring of BVV 2/OPO 2 requirements by AXA
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How is the investment portfolio structured?
Unlike regular pension schemes (2nd pillar), AXA 1e Invest enables insureds to choose between five investment strategies:
- AXA 1e low risk: No shares (corresponds to low-risk strategy as per legal definition)
- AXA 1e 20: Share allocation 20%
- AXA 1e 35: Share allocation 35%
- AXA 1e 50: Share allocation 50%
- AXA 1e 75: Share allocation 75%
All strategies benefit from the expertise of AXA Asset Management:
- Independence through best-in-class approach
- Top price/benefit ratio
- Active tactical investment decisions and risk management
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How can insureds benefit from the pensions portal?
When taking out 1e Invest, the following steps need to be followed so that insureds can benefit from the pension solution and are able to view their investment portfolio and structure.
- Opening of a personal digital account
- Creation of an individual risk profile and selection of investment strategy in pensions portal
- Opening of a personal digital account
The AXA Foundation 1e
The AXA Foundation 1e in Winterthur was established in 2022. Its purpose is to arrange occupational retirement, survivors’, and disability pension provision for its affiliated companies. It provides services beyond mandatory occupational pension provision, offering 1e pension plans exclusively for incomes over CHF 136,080.
