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Pension Provision

Examine your options for improving your pension provision.

Successful pensions

You can influence the long-term value of your pension capital yourself by intelligently structuring your pension funds. Securities solutions with a high equity component provide a positive expected return and long-term added value compared to savings account solutions, even in a low interest rate environment.

The higher return potential of equities and the long-term investment horizon of retirement pensions predestine a securities-based investment solution.

Why securities in the third pillar?

In the long term, securities solutions with a higher equity quota will provide significant added value compared to traditional account solutions.

Added value of securities investments compared to the savings account solution

OLZ pension solutions are available from selected banks and pension foundations. We would be happy to discuss the optimal solution with you. We look forward to hearing from you.

Third pillar and vested benefits solution : OLZ Smart Invest 65 ESG

OLZ Smart Invest 65 ESG is a pension fund for vested benefits funds and third pillar retirement savings. The comparatively high equity component of 65% reflects the typically long-term investment horizon of pension capital and significantly increases return potential compared to traditional pension solutions. Despite the equity allocation of 65%, thanks to risk-optimised implementation the fund is considered to be a balanced strategy with a risk profile in accordance with the Pictet BVG 40 Index .

How can I implement OLZ Smart Invest 65 ESG?

Get in touch with us or contact one of our partner banks. More information about the fund.

Third pillar and vested benefits solutions up to 100% equities

At Descartes Vorsorge, OLZ pension solutions for the third pillar and vested benefits are available with an equity component of up to 100%.

1e plan – a solution for management employees and the self-employed

Insured persons with a salary of more than CHF 127,980 and up to CHF 853,200. In particular senior management and executive employees, but also self-employed professionals such as lawyers, doctors, management consultants or trustees - can benefit from the 1e pension plan. This individual, supplementary pension solution makes it possible to invest pension capital in accordance with the individual risk profile and to benefit from tax savings. We offer different investment strategies depending on the risk profile. We would be happy to discuss your options during a consultation. We look forward to hearing from you.

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