Our Pension Solutions

Starting point: Many people leave their retirement savings unused

Whether for pillar 3a, vested benefits, or 1e assets, the most common option is a traditional retirement savings account. This usually offers only marginally higher interest rates than a normal savings account. However, the second option for retirement savings is becoming increasingly popular: a securities solution. Securities offer significantly higher long-term return potential than a retirement savings account. The rule of thumb is: the higher the proportion of equities, the higher the expected long-term return.

Risks in retirement assets? Well positioned with OLZ.

Not all stocks are the same. A broadly diversified stock portfolio that has been systematically optimized for risk is significantly less risky than a purely passively tracked index.

Another decisive factor is the investment horizon.

• If retirement is still a long way off, you benefit from a long investment horizon. This offers ideal conditions for exploiting the return potential of our systematic investment strategies.

• However, if you are about to retire, you should generally take fewer risks. Our risk-optimized strategies offer a suitable solution for your limited risk profile.

Our specific pension funds

OLZ Smart Invest 65 ESG is a pension fund for vested benefits and pillar 3a pension assets. Despite its 65% equity allocation, the fund can be considered a balanced strategy with a risk profile in line with the Pictet BVG 40 Index thanks to its risk-optimized implementation.

OLZ Equity World Optimized ESG is a pure equity fund managed according to the OLZ minimum variance concept. Foreign currency risks are hedged against the Swiss franc. This fund is also available within the framework of pillar 3a and in the vested benefits area at attractive (institutional) fees.

Pillar 3a pension calculator

A mandate with the options you have selected and an annual deposit of #{annualDeposit} will achieve an expected asset value of #{olzExpectedAssets} by retirement, while an account solution can be expected to yield assets of #{accountAssets}.

High or low deposits, long or short investment horizon, securities or account, more or fewer shares? You can now conveniently simulate the effects of these decisions on your individual retirement capital using our pension calculator.

And after retirement?

If you are not far from drawing your pension funds, you should answer two important questions. First, “when” and second, “how” you want to draw your 3rd pillar. The best answer to “when” is “not all at once.” For tax reasons, it makes sense to have several securities accounts so that you can withdraw your funds in stages within the permitted time frame around retirement.

There are several options for the “how.” Starting with a securities solution, this can either be liquidated or continued as an investment outside the 3a system. Why do this? Even after retirement, you can still benefit from the higher return potential of stocks. However, the size of the equity allocation must take into account your individual risk profile and the desired withdrawal plan (annual pension). The risk profile you have chosen, together with the expected assets of #{olzExpectedAssets}, will enable you to receive the desired pension for #{OLZcapitalConsumptionYears} years.

To do this, simulate the further investments from your 3a capital after retirement.

How do I invest my pillar 3a or vested benefits with OLZ?

Pension funds must be managed by a pension fund. OLZ works with a number of banks and digital asset managers that are affiliated with a pension fund. Please contact us. We will be happy to put you in touch with one of our many partner banks in your region.

1e plan – a solution for executives and self-employed persons

Insured persons with a salary of between CHF 129,060 and CHF 860,400, in particular executives and managers, but also self-employed persons in liberal professions such as lawyers, doctors, business consultants, or trustees, can benefit from the 1e pension plan. This individual, extra-mandatory pension solution allows you to invest your pension capital in line with your individual risk profile and benefit from tax savings. We offer various investment strategies depending on your risk profile. We would be happy to discuss your options with you during a consultation.