Pension solutions for companies

Find the pension advice that’s right for your company

There are a variety of pension solutions available, depending on the structure of a company and its needs: an autonomous pension fund that belongs to the company, a partially autonomous solution in connection with a collective or cooperative foundation, or full benefit coverage.

Our advice at a glance

Dialog

Close cooperation with our pension specialists

Door opener

Merger with collective or cooperative foundations

Advice

Impartial BVG advice for pension funds and companies

Pension solutions explained in brief (German)

Which pension solution is right for you?

Start-ups and small companies often prefer a comprehensive full benefit coverage solution or a collective or cooperative foundation. Small firms look for low administrative expenses and low risk. They would like an insurance policy with efficient pension fund solutions and quick communication channels.

Medium-sized companies tend to select a partially autonomous solution. After all, greater opportunities for gains in occupational pension funds can help a company stand out from the competition. Generally only large companies opt for a completely autonomous pension fund. They are able to bear the financial risk associated with autonomy.

Overview

Overview

Pension fund

Pension fund

Collective foundation

Collective foundation

Full benefit coverage

Full benefit coverage

Overview

Participation/ organization

Pension fund

Foundation Board, high degree of participation, internal organization

Collective foundation

Pension fund committee, participation varies, but lower than with a company-run pension fund, external organization

Full benefit coverage

Low level of participation or none, external organization

Overview

Risk of longevity, death and disability

Pension fund

Without reinsurance for disability and death (autonomous) or with reinsurance (partially autonomous), the risk of longevity is usually borne by the pension fund

Collective foundation

Without reinsurance (autonomous) or with reinsurance (partially autonomous), the risk of longevity is usually borne by the foundation

Full benefit coverage

With full reinsurance, the risk of longevity is usually borne by the insurer

Overview

Investment strategy

Pension fund

Can be freely chosen

Collective foundation

Is determined at the foundation level or the affiliate level, but must be approved by the Foundation Board

Full benefit coverage

Delegated to the insurer and strictly regulated by law

Overview

Return potential/ interest on pension assets

Pension fund

Set by the Foundation Board on the basis of the investment strategy/ interest rate selected

Collective foundation

Set by the pension fund committee on the basis of the investment strategy/ interest rate selected, must be approved by the Foundation Board

Full benefit coverage

Limited, pension capital usually only generates the statutory minimum interest rate

Overview

Costs

Pension fund

Moderate to high, depending on the organization

Collective foundation

Moderate, scaling effects for joint services

Full benefit coverage

High (high premiums, low interest rates, high administrative fees), complete outsourcing of service

Overview

Transparency and control for the company

Pension fund

High

Collective foundation

Medium

Full benefit coverage

Low

We advise – you benefit

  • Comprehensive support with a personal advisor as your direct contact person
  • Investment and infrastructure solutions tailored to your needs
  • Independent advisory services and support for pension funds and companies

Our experts are here for you – we look forward to seeing you.