With the 1e retirement provision strategies from Vita Select, companies can offer their employ-ees more freedom in structuring their pension provision and, at the same time, benefit from attractive advantages themselves.
The 1e solutions are aimed at entrepreneurs and their senior staff with an income of over CHF 132,300. The 1e retirement provision assets are completely separate from the existing pension fund assets and only include a super-mandatory portion of the occupational retirement provision.
Each insured person chooses their own investment strategy and saves individually. The strategy can be selected and changed directly on the Vita Insurance Portal. The retrieval of individual pension documents and the simulation of different scenarios offer the opportunity to maintain a clear overview of one's individual investment strategy at all times.
Companies wishing to make use of the 1e plans must insure the corresponding salary components in a separate legal entity. As a result, a second foundation is created in addition to the first foundation for mandatory coverage and super-mandatory salary portions up to the 1e salary limit. This covers the extra-mandatory occupational pension plans for salaries above the limit.
If a company offers 1e retirement provision strategies, all employees who meet the criteria defined in the BVG must insure these salary components as part of the 1e retirement provision solution. The employer can also set the threshold for the 1e solution higher than CHF 132,300.
Depending on the company's retirement provision strategy, insured persons can choose from nine investment strategies. One of the strategies offered is always risk averse. The investment strategy can be changed on a weekly basis if necessary.
The insured persons influence the development of their retirement provision assets by taking the choice of strategy into their own hands.
Flexibility: It is very important that every insured person seeks advice when choosing an investment strategy and regularly reviews their portfolio. The decision as to whether someone chooses a risk-averse investment strategy or an investment strategy with more risk must be coordinated with the person's overall situation. It may therefore be a good idea to switch to a risk-averse investment strategy before retirement. With Vita Select, insured persons can change their investment strategy on a regular basis.
Investment strategies: The following investment strategies have been compiled by the investment experts of Zurich Invest Ltd based on the different needs of the insured. The insured can consider the different investment strategies and choose the one that fits their needs perfectly.
| Investment strategy Zurich Investment Foundation | Security | Investment strategies (incl. bandwidths) | |||||
|---|---|---|---|---|---|---|---|
| Investment style | Equities | Bonds | Real estate, mortgages | Alternative investments | |||
| Money market | 000.722.858 | Active | 0% | 100% | 0% | 0% | |
| Defensive | 002.844.745 | Active | 10% - 25% | 35% - 70% | 0% - 30% | 0% - 15% | |
| Balanced | 002.844.737 | Active | 15% - 40% | 30% - 60% | 0% - 30% | 0% - 15% | |
| Progressive | 002.844.727 | Active | 25% - 50% | 20% - 50% | 0% - 30% | 0% - 15% | |
| Dynamic | 050.270.077 | Active | 40% - 60% | 5% - 30% | 0% - 30% | 0% - 20% | |
| Mix 20 | 051.249.460 | Active/Passive | 10% - 30% | 30% - 50% | 0% - 25% | 0% - 15% | |
| Mix 45 | 051.249.461 | Active/Passive | 30% - 55% | 15% - 35% | 0% - 25% | 0% - 15% | |
| Mix 65 | 051.249.462 | Active/Passive | 40% - 75% | 0% - 20% | 0% - 25% | 0% - 15% | |
| Mix 98 | 130.097.948 | Passive | 85% - 100% | 0% - 10% | 0% - 5% | 0% - 5% | |
We follow a sustainable investment philosophy and promote sustainable investments; our responsible investment process is based on the 3-pillar approach. This approach includes "ESG integration," "impact investing" and "joint progress."
Annual key figures, composition of the foundation board and information on other institution can be found here.
