Four strong Skills

Expert advice

Multiple possibilities for a retirement savings plan that takes into account the particularities of each company or organization (size, type of business, personnel, etc.)

Managing

  • Quality information system
  • A customer-friendly service
  • Administrative flexibility
  • Simple and understandable documents
  • Adapted billing to business company's for seasonal staff or hours

Performance

  • Premiums payment by the end of the year instead of prepayment = considerable interest earnings.
  • Administrative commission = 0.5% of coordinated-wages.
  • NET Remuneration of individual accounts (composed over the years on all old-age pension and not only on the minimum LPP):

1994 5.5% net - 1995 4.5% net

1996 4.5% net - 1997 5.0% net

1998 4.5% net - 1999 4.5% net

2000 4.0% net - 2001 4.0% net

2002 4.0% net - 2003 3.25% net

2004 2.25% net - 2005 3.0% net

2006 3.0% net - 2007 2.5% net

2008 2.75% net - 2009 2.5% net

2010 2.25% net - 2011 2.5% net

2012 2.5% net - 2013 2.5% net

2014 1.75% net - 2015 1.75% net

2016 1.25% net

  • Insurance costs reduction extended to all affiliates
  • Risk-bearing funding ratio to 31.12.2016: 112.40%

Administration

  • Decision-making and Operational Centre in (Mendrisio)
  • Co-management of funds
  • Reinsurance at "La Mobiliare Assicurazioni, Nyon"
  • Management of funds in "Banca Stato in Bellinzona", "EFG in Lugano" (EX BSI SA), "Banca del Gottardo in Lugano" until 30.06.2008 and from 01.07.2008 "Banca Popolare di Sondrio (Suisse) SA in Lugano" and "UBS SA in Lugano".