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 - 2017 1.0% 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 "EFG/Patrimony in Lugano", "UBS SA in Lugano".