Our 1e pension 1e Invest

• With the normal pension fund (2nd pillar), investment strategies are predefined. With 1e, however, 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 is simple and costs nothing 
• No tax on interest and dividend income 
• Retirement assets are paid out with no deductions in the event of death

• Greater 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)

1e Invest enables administrative tasks to be handled digitally – which helps to make life easier for employers. Example:

• Administration of insured persons, plan, and securities
• Portfolio management per insured person
• Individual portfolio administration and monitoring of OPO 2 guidelines by AXA

When taking out 1e Invest, the following steps need to be followed so that insured persons 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

Unlike the normal pension fund (2nd pillar), AXA 1e Invest enables insured persons 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