Take responsibility for your retirement provision. With the 1e pension plan, you can play an active role in deciding how your pension fund is invested. 1e plans offer you attractive and flexible options for building and optimizing your retirement fund. LGT will help you implement your decisions as effectively as possible.
A well-considered pension plan is absolutely essential for anyone looking to maintain their customary standard of living in retirement. But most of the time the options are limited, and individuals are not able to make their own choices. 1e solutions are different, however. 1e plans give the self-employed attractive options for investing their pension money on an individual and flexible basis. Businesses can set up 1e plans for their employees too – which makes them much more appealing as potential employers.
1e pension plans are basically available to those with a salary of CHF 127,980 or higher. As the self-employed are generally free to choose their own pension fund, they may opt for a 1e solution directly. But 1e is obviously an extremely attractive pension option for high-earning employees too. So management team members and business owners really should consider this form of retirement provision for their employees.
1e solutions allow you to choose your investment strategy yourself based on the level of risk you are comfortable with personally. A range of different risk profiles is available, so you have the flexibility to choose one that suits your individual preferences and expectations. There is always complete transparency regarding the performance, returns and administrative costs of your pension portfolio – something which traditional pension solutions (e.g. collective foundations) do not tend to offer. And last but not least, you benefit from the fact that voluntary contributions are deductible for income tax purposes.
For the purposes of our 1e offer, we collaborate with the independent pension platform known as Liberty Pension Ltd. www.liberty.ch. With its modular architecture, Liberty Pension offers a wealth of innovative and individual services and products for the 2nd and 3rd pillars of the Swiss pension system, including Bel Etage and executive solutions for supplementary contributions (1e solutions) and association-type solutions for freelancers. If you opt for our 1e solution, you will enter into a contractual relationship with Liberty Pension Ltd. and ask it to invest in an investment solution actively managed by LGT.
For your 1e plan, you can choose from three different investment strategies offered by LGT:
Which of these three investment strategies is the right one for your 1e pension will depend on the capital you have available.
With the Portfolio Management Mandate and Fund Mandate, you can also – depending on the level of risk you are comfortable with and able to carry as an individual – choose any one of five different risk profiles (low-risk, income, conservative, balanced, growth).
OPO 2 investment guidelines: OPO 2 stands for the Ordinance on Occupational Old Age, Survivors’ and Invalidity Pension Provision. The investment guidelines as per OPO 2 define the maximum permissible component allocated to securities and the minimum share that needs to be in Swiss francs.
The two strategies known as the LGT Pension Plan – Portfolio Management Mandate and the LGT Pension Plan – Fund Mandate offer you five different risk profiles. Depending on the level of risk you are comfortable with and able to carry, you can therefore devise an investment strategy that reflects your individual preferences and needs.
This is an ideal opportunity for you to tailor your pension solution to your assets as a whole and optimize returns on your retirement capital.
If you are interested in our 1e pension plans, then get in touch with us. Claudio Chicchini, Sector Head at LGT Bank Switzerland, is an expert in pension solutions and will show you how to achieve your personal and individual pension objectives. He would be delighted to hear from you.