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Professional Invest

Professional Invest is the latest semi-autonomous collective foundation from AXA. The AXA Foundation for Occupational Benefits is Switzerland’s biggest semi-autonomous collective foundation.

  • Switzerland’s biggest semi-autonomous collective foundation
  • Investment and management of the pension assets by AXA
  • Transparency and ability to plan thanks to interest model
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As a semi-autonomous collective foundation, the AXA Foundation for Occupational Benefits is subject to less restrictive regulatory requirements than full-value insurance. This solution offers the potential for better investment returns, higher interest on the retirement assets, and therefore higher benefits in old age and higher vested benefits – but with the same, high level of security as before. In a semi-autonomous solution, the incongruous redistribution from active insured persons to pensioners can be reduced. You can therefore benefit as an entrepreneur, together with your employees, from considerably better value for money: You all pay lower risk contributions for your pension solution.

What are the advantages of Professional Invest?

  • Individual pension plan design
  • The Board of Trustees sets the investment strategy
  • Investment and management of the pension assets by AXA
  • All returns on investments flow back to the collective foundation
  • Attractive risk and cost premiums     
  • Fair conversion rates:
    • Men, retirement age 65: mandatory 6.8%, extra-mandatory 5.0%
    • Women, retirement age 64: mandatory 6.8%, extra-mandatory 4.88%
  • Transparent interest model

About the foundation

The AXA Foundation for Occupational Benefits, Winterthur, was established on June 8, 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.

Features 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.
  • The assets are invested by AXA Asset Management.

Protection of pension benefits

  • Benefits due if an insured person becomes disabled or dies before retirement age are reinsured with AXA Life Ltd.
  • The Foundation pays the retirement benefits and the associated surviving dependants' pensions in the event of an insured person's death after 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.

Key figures

Key figures of AXA Foundation for Occupational Benefits

Performance AXA Foundation for Occupational Benefits

Documents

Board of Trustees

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

  • Gabriela Grob Hügli (Chair)

    Gabriela Grob Hügli (Chair)

    Employee representative

    Procap, Olten
    Attorney, Employee

    Gabriela Grob Hügli has been a member of the Board of Trustees of the AXA Collective Foundation for Occupational Benefits since 2009 and its Chairperson since 2017. She is also a member of the Governance Committee. Gabriela Grob Hügli has been working in the legal department of Procap Schweiz, an organization for people with health-related impairments, since 2006. She also runs her own legal and notary practice in Olten, specializing in social and private insurance law. Gabriela Grob Hügli was a member of the Federal Occupational Benefit Plan Commission from 2012 to 2015. She graduated in law from the University of Basel and holds an attorney and notary license for the Canton of Solothurn as well as a CAS from the University of St. Gallen in liability and social insurance law.

  • Christoph Burkhalter

    Christoph Burkhalter

    Employee representative

    Avaloq Evolution AG, Zurich
    Deputy Head Innovation

    Christoph Burkhalter has been a member of the Board of Trustees of the AXA Collective Foundation for Occupational Benefits since January 2019 and a member of the Liability Committee since 2019. He has worked in the software development area of Avaloq Evolution AG since 2008, and is today responsible for the whole innovation area, with large teams in Switzerland, Edinburgh and Manila. He founded Quatico Solutions AG with three partners in 2003 where he was responsible for the finances, and was also involved in drawing up various BVG plans. Prior to this, he worked as a software developer in the finance industry. Christoph Burkhalter studied Information Technology at the ETH Zurich and holds a Master of Science in Computer Science. He also completed a CAS in Machine Learning at ETH Zurich in 2019.

  • Sandro Caluori

    Sandro Caluori

    Employee representative

    Van Lanschot Kempen, Zurich
    Manager Research and Selection

    Sandro Caluori has been a member of the Board of Trustees of the AXA Collective Foundation for Occupational Benefits since 2017 and a member of the Investment Committee since 2019. He has been working for Van Lanschot Kempen in the manager research and selection area since 2020. Sandro Caluori was a Senior Analyst and Director Investment Solutions at Corestone Investment Managers from 2017 to 2020. He previously worked as Senior Portfolio Manager at Altis Investment Management for six years. Sandro Caluori has a Bachelor’s degree in Mathematics and a Master’s in Banking and Finance from the University of Zurich.

  • Hanspeter Herger

    Hanspeter Herger

    Employee representative

    Swiss PGA, Epalinges
    Marketing / Sponsoring

    Hanspeter Herger has been a member of the AXA Collective Foundation for Occupational Benefits since 2019 and a member of the Liability Committee since 2019. He has been working for the Swiss PGA, the specialist and professional association for golf instructors in Switzerland, since 2015. He also runs his own consulting company x-plus consulting gmbh and is the founding partner and board director of Verium AG, a multi-family office in Zurich. Hanspeter Herger previously worked at Thurgauer Kantonalbank, Basler Kantonalbank, Credit Suisse and UBS in executive and management roles for many years. He obtained his doctorate in political sciences from the University of St. Gallen and completed the INSEAD Advanced Management Programme in 2001.

  • Urs Flück

    Urs Flück

    Employer representative

    Mathys AG Bettlach, Bettlach
    CFO

    Urs Flück has been a member of the Board of Trustees of the AXA Collective Foundation for Occupational Benefits and a member of the Liability Committee since 2019. He has been CFO of the international orthopedics company Mathys Group since 2011 and is chairman of the board of directors for another company in the medtech industry. Urs Flück was the employer’s representative on the Board of Trustees of the Synthes Benefits Foundation from 2007 to 2011 and was Chairman of the Board of Trustees during that period. He is a certified business economist following his studies at HWV Olten and holds an Executive Master’s degree in Corporate Finance from the Institute of Financial Services Zug IFZ in Zug.

  • Elisabeth Meyerhans Sarasin

    Elisabeth Meyerhans Sarasin

    Employer representative

    Meyerhans & Partner GmbH, Zurich
    Managing Director

    Lisa Meyerhans Sarasin has been a member of the Board of Trustees of the AXA Collective Foundation for Occupational Benefits since 2013 and Chairperson of the foundation’s Investment Committee since 2019. She runs her own consulting company Meyerhans & Partner, is a director of various companies in the financial and insurance sector, and is involved in non-profit foundations as a trustee. From 2007 to 2010, she was chief of staff of the Federal Department of Finance and ran the General Secretariat. Lisa Meyerhans Sarasin studied social and economic sciences, majoring in financial and capital markets, at the University of St. Gallen (HSG) and also completed the Executive Education Program at the Wharton School of the University of Pennsylvania.

  • Christoph Senti

    Christoph Senti

    Employer representative

    Christoph Senti AG, Altstätten
    Partner

    Dr. iur. Christoph Senti has been a member of the Board of Trustees of the AXA Collective Foundation for Occupational Benefits since 2011 and Chairman of the foundation’s Governance Committee since 2019. His main occupation is that of attorney and certified specialist SBA in labor law at the Frei Steger Senti attorney’s office in St. Gallen’s Rhine Valley. He is also a member and chairman of the board of directors of various companies, a lecturer at the University of St. Gallen, ZHAW Zurich University of Applied Sciences, and a speaker at various educational events.

  • Massimo Tognola

    Massimo Tognola

    Employer representative

    Fidam Servizi SA, Chiasso
    Owner

    Massimo Tognola has been a member of the Board of Trustees of the AXA Foundation for Occupational Benefits since 2012 and Chairman of the foundation’s Liability Committee since 2019. He has been running his own fiduciary office, Fidam Servizi S.A., since 1987 which converted from sole proprietorship into a limited company in 2016. He has been chairman of the self-regulatory organization OAD FCT as part of supervision under the Anti-Money Laundering Act (MLA) since 1999. He has also been a board director of Raiffeisenbank Mendrisio e Valle di Muggio since 2008. Massimo Tognola was a member of the working groups involved in the drafting of the new FinSA and FinIA finance acts, and took part in the establishment of OSFIN, the supervisory organization of financial service providers. He is authorized by the Audit Oversight Authority to carry out limited audits and holds a degree in Social and Economic Sciences from the University of St. Gallen.

Other basic solutions

AXA's collective foundations stand out due to the considerable flexibility of their structures. Find out more about the other collective foundations available from AXA. 

 

All basic solutions

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