Our pension solution Top Invest

Tailored complement to existing basic occupational pension cover
Investment and management of the pension assets by AXA
Transparency and ability to plan thanks to interest model
Key points at a glance
  • Flexible supplementary benefits: Top Invest offers customized solutions for companies.
  • Individual additional benefits: This pension solution is an individual supplement to basic coverage for selected employees.

Interest rate on retirement assets

  • Average interest rate 2019 to 2023
    Extra-mandatory benefits: 3.93 %

Our services

Alongside solutions for mandatory occupational benefits insurance, AXA – with Top Invest – also offers solutions that cover only benefits to which the provisions of mandatory occupational insurance do not apply. These form the individual supplement to basic provision for selected groups of employees.

What are the advantages of Top Invest?

  • Individual pension plan design
  • The Board of Trustees sets the investment strategy
  • All returns on investments flow back to the collective foundation
  • No cross-subsidization of Pillar 2 minimum benefits and opportunities for higher interest
  • Attractive risk and cost tariffs
  • Transparent interest model

Key figures

Key figures of The AXA Foundation for Supplementary Benefits

Performance trend of The AXA Foundation for Supplementary Benefits

About the foundation

The AXA Foundation for Supplementary Benefits, Winterthur, was established on May 23, 1969. Its purpose is to manage the occupational old-age, survivors’ and disability benefits insurance of its affiliated companies. It exclusively provides benefits to which the provisions of mandatory occupational benefits insurance do not apply.

Characteristics and concept

Management of investments

  • The Board of Trustees defines the investment strategy; the collective foundation with its affiliated pension funds bears the investment risk.
  • AXA Asset Management invests the assets.

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).

Interest model

  • The interest model determined by the Board of Trustees increases transparency and the ability to plan for affiliated customers. 
  • The interest paid on retirement assets is based on the expected coverage ratio at the end of the year.

Administration and management

  • AXA Life Ltd.


Board of Trustees

The Board of Trustees of the AXA Foundation for Supplementary Benefits is composed of the following members:

  • Marc Goumaz (President)

    Marc Goumaz (President)

    Employee representative

    WIR Bank Genossenschaft, Basel
    Attorney, Legal Services

  • Michael Raaflaub

    Michael Raaflaub

    Employee representative

    Lehrstellennetz, Köniz
    General Manager

  • Daniel Wäger

    Daniel Wäger

    Employee representative

    Metrohm AG, Herisau

  • Christoph B. Bühler

    Christoph B. Bühler

    Employer representative

    böckli bühler partner, Basel

  • Stephan Heuberger

    Stephan Heuberger

    Employer representative

    HRM Systems AG, Winterthur
    Member of the Executive Board

  • Jonas Keller

    Jonas Keller

    Employer representative

    Mäder + Baumgartner Treuhand AG, Neuhausen

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