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The individual executive pension plan
For more than four hundred years, the Princes of Liechtenstein have been passionate art collectors. The Princely Collections include key works of European art stretching over five centuries and are now among the world’s major private art collections. At LGT, we make deliberate use of the works of art in the Princely Collections as imagery to accompany what we do. For us, they embody those values that form the basis for a successful partnership with our clients: a long-term focus, skill and individuality.
Friedrich Oelenhainz, Detail aus «Porträt des späteren Fürsten Johann I. von Liechtenstein (1760–1836)», 1776
© LIECHTENSTEIN. The Princely Collections, Vaduz–Vienna
If you do not just want to receive an annual pension fund statement, but also wish to have an active say in how your pension fund is invested, 1e pension solutions are an attractive option. Executive pension solutions offer a wide range of options, in particular for high-earning employees, the self-employed and company management members.
Your pension assets will be deposited with LGT on your behalf by one of the Liberty pension foundations and invested by LGT in accordance with the strategy you have chosen. Our experts look forward to hearing from you.
If your income is between CHF 129 060 and CHF 860 400, the executive solution is geared to you.
1e pension plans insure salary components that are above 1.5 times the upper BVG salary limit. Are you self-employed? Then you are generally free to choose your own pension fund and can opt directly for a 1e pension plan. But this solution is also geared to you if you are a high-earning employee with an annual salary in the above-mentioned range. We recommend that company management members and company owners also consider this pension solution for their employees.
One of the biggest advantages of the 1e pension plan is your freedom of choice. While the investment strategies for standard pension funds (2nd Pillar) are pre-defined, the 1e pension plan enables you to choose between different investment and risk strategies. In addition, there is no redistribution due to unfavorable demographic developments. Like for Pillar 3a, the money you save belongs to you alone.
With 1e pension solutions, you can choose your investment strategy based on your personal risk tolerance. Various risk profiles are available to you, and you always have full transparency with regard to the performance, returns and management fees of your pension portfolio. With traditional pension solutions (e.g. collective foundations), this option is largely absent. You also benefit from the fact that voluntary purchases can be deducted from your taxable income.
At LGT, you can choose from three different investment strategies for your 1e plan. Which of these is the right one for you will also depend on your available capital. We would be delighted to advise you on this matter.
With the two strategies LGT Pension Plan - Portfolio Management Mandates and LGT Pension Plan - Fund Mandates, you can choose from five different risk profiles. This enables you to tailor your investment strategy to your individual wishes and needs based on your risk tolerance and risk capacity.
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