With the SmartFlex pension plan (Pillar 3a/3b), you save individually and securely for the period after retirement. In doing so, you benefit from integral risk cover for death and occupational disability. Adapt your pension plan flexibly – to the present and future circumstances of your life.
Simply explained in just 60 seconds.
The SmartFlex pension plan gives you the option of determining which themes your money can be invested in to generate returns. You can choose between “Sustainability”, “Switzerland”, “Future trends” or “Global”. You can switch your preferred investment theme during the policy at any time – and at no cost.
All investment themes each consist of an equity fund. These funds are broadly diversified and are subject to AXA's exclusion criteria. Furthermore, as one of the world's largest asset managers, AXA actively exerts influence over the invested companies in order to promote long-term and sustainable added value.
With your personal premium split, you determine which portion of your premium should be invested in equities as return-oriented capital, and which portion earns interest as safety capital and is legally secured in full.
You can individually amend your premium split and decide at any time how your assets should be invested or how much you would like to benefit from the possibility of generating returns.
Would you like to help manage the risk of your investment? Choose our safety options and activate and deactivate them at no cost whenever you like.
Did you know that the SmartFlex pension plan includes optional comprehensive term life insurance?
You can choose from the following options:
The amount of the guaranteed lump-sum death benefit can be adjusted. This may require a new review of professional, personal and health circumstances.
Do you have any questions about Pillar 3 or would you like a no-obligation pension consultation? Our experts are there for you.
A pension solution with a bank or insurance company does not have all advantages or disadvantages. But in a detailed comparison of both alternatives, it becomes clear that a Pillar 3a pension solution with an insurance company has many more options and flexibility than a pension account with a bank.
You benefit from AXA’s experience as one of the world's largest asset managers which is especially known for its expertise in managing pension assets. Your contributions in your safety capital have full legal protection in AXA’s tied assets. The capital in your return-oriented capital also has full legal protection to the extent of the current market value.
The SmartFlex pension plan can be flexibly adapted to your personal financial circumstances and requirements. Save for your life in retirement in a way that suits you today! You benefit from various safety options and can also easily reallocate capital from the safety capital into the return-oriented capital. You also have the option of varying from the fixed pension premium or stopping individual payments entirely.
With SmartFlex, you determine which area you would like your pension capital to be invested. You can therefore choose between the topics “Sustainability”, “Switzerland”, “Future trends” or “Global”, with investments made exclusively in equities. The best thing is: You can change your preferred investment theme for free at any time. Did you know that regardless of the investment theme you choose, AXA excludes more than 600 companies from sectors such as tobacco, weapons, coal, palm oil, oil sands and others?
Under the legal regulations on Pillar 3a, paid-in premiums can be directly deducted from taxable income, which means that the tax burden will be reduced depending on canton and family circumstances. But taxes can also be saved smartly on the basis of Pillar 3b: For instance, disbursements from flexible pension provision are tax-free.
In addition to the SmartFlex pension plan, there is also the option of taking out term life insurance. In the event of your death, the beneficiaries receive an agreed lump sum. Or you choose an occupational disability pension that provides cover against loss of income through illness or accident. But AXA also offers suitable supplementary insurance for a waiver from paying premiums in the event of death or occupational disability.