Those who take out a 1e plan can choose the investment strategy for their retirement assets and adjust it at any time. Any return on investment is credited in full to participants’ private accounts. No earnings are used to finance excessively high pension promises from the mandatory BVG pension scheme.

Participants in the plan are thus protected from redistribution.

1e pension funds mostly insure business owners and executives who demonstrably claim death and disability benefits less often. They thus usually present a better risk structure than pension funds, which have to insure all sectors and salary components.

Risk premiums are often lower even if risk benefits remain the same. Conversely, additional risk benefits can also be insured if risk premiums remain the same. 

Thanks to selectable savings amounts and additional voluntary purchases, participants can save more for retirement. As a result, additional capital can be paid out to beneficiaries in the event of death, in addition to pensions or insured lump-sum death benefits.

Depending on the plan, plan participants can create a higher purchasing potential and reduce their taxes on the effective purchase amount.

Given that plan participants have to bear any losses themselves, and that there is no guaranteed minimum termination benefit, a underfunding is not possible. Affiliated companies and their employees insured by a 1e plan face no restructuring risks for insured salaries.

As the pension fund obligations are reduced, the company’s balance sheet is relieved of pension liabilities.

You benefit from our long-standing experience in 1e solutions and enjoy maximum security for your pension fund assets.

Our 1e solution assumes that you have little time due to a range of other obligations.

With the UBS Optio 1e Collective Foundation, you benefit from great flexibility thanks to individual selection options.

We offer you cost-effective investment strategies with no hidden costs.