Transparent & flexible

Every company is unique. As an independent collective foundation, we therefore offer secure and innovative tailor-made pension solutions.

Full profit-sharing with dilution protection thanks to individual coverage ratio per pension fund

For you as a customer, this means:

  • Each affiliated company forms a separate pension fund with its own reserve pot. This prevents the unintentional dilution of profits with other affiliated pension funds - as with your own corporate pension fund.
  • TRANSPARENTA fairly and completely distributes the annual profit of the joint investment and other surpluses to pension funds.
  • There is no hidden cross-subsidization between individual pension funds — there is full transparency in all aspects.
  • The insurance risks are full and inexpensively covered by the Foundation's congruent reinsurance.

“When founded in 2004, the TRANSPARENTA model received the Swiss Insurance Industry Innovation Prize.”

Other benefits of the TRANSPARENTA model:

Vorsorgen mit Durchblick. TRANSPARENTA Pensionskasse verbindet die Vorteile einer eigenen Firmenpensionskasse mit den Pluspunkten der Gemeinschaftseinrichtung.

Customised pension plans

Numerous planning options and progressive provisions in general regulations provide flexible and needs-oriented solutions for employee benefits for companies with 10 or more employees.

Beneficial participation

Each pension commission has extensive participation rights, in particular in the election of Conversion rate model or the Setting the interest rate for retirement savings. This is because each pension fund finances its interest rate itself using the individual coverage model. This with the income that it receives as a percentage of TRANSPARENTA's annual results.

Collective pension pool

All pension recipients are listed together in the Foundation's pension pool. Pension funds with pensioners thus benefit from the “law of large numbers” and the sharing of risks. With each annual financial statement, the pool result (closing out) is distributed proportionally to connections with pensioners. This model is also very attractive for young companies: As long as no pensions have been accrued, they do not bear any pensioner risks.

“TRANSPARENTA's generally applicable services are far above the minimum legal requirements.”

Above-average benefits from the TRANSPARENTA pension fund

With TRANSPARENTA's comprehensive services, we go far beyond legal requirements.

Our insured persons benefit from maximum flexibility, individual insurance and attractive additional benefits that are perfectly tailored to their needs.

Overview of retirement benefits

For our insured persons, this means:

  • Individual benefits for partners or other survivors possible
  • Refund of voluntary purchases insured automatically and free of charge in the event of death
  • Spousal orphan's pension insured free of charge (pension for own children if spouse dies)
  • Full accident coverage insured with survivors' benefits
  • Maximum purchasing potential thanks to the highest possible purchase interest rate (standard 2.00%)
  • Increased purchasing potential thanks to a flat 5% surcharge for early retirement purchases
  • Phased old-age pension with up to three pension parts can be selected for more flexibility and guarantees in the event of death
  • One-time death benefit of up to 60 months' pensions insured when receiving an old-age pension
  • Higher qualifying spousal pension of 80 or 100% can be selected when receiving the old-age pension (standard 60%)
Interested in attractive benefits? Find out how we can optimize your pension solution together.
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A comparison of our pension models

The following table shows the key differences between TRANSPARENTA's two pension models. Choose the model that best suits the needs of your company and employees.

U model
ENVELOPING
S model
SPLIT
Individual coverage ratio per pension fund
Joint capital investment (investment pool)
Individual definition of risk benefits in the event of death and disability
Longevity risk is borne in solidarity through a collective pension pool
Individual determination of savings contributions (retirement credits)

The planned benefit target (calculated using the golden rule) should be at least 30% above the statutory minimum benefit at the reference age 65.

Pension plans with savings insurance close to or equal to the BVG minimum are still possible.

Method for calculating the old-age pension

Calculation is comprehensive, i.e. the entire retirement savings are converted into a lifetime pension at a single conversion rate.

Calculation is split, i.e. retirement capital is divided into compulsory (BVG) and supercompulsory and is each retired at a separate conversion rate.

Amount of the conversion rate

Enveloping: 5.25%

Mandatory (BVG): 6.00% *
Supermandatory: 5.25% *
* Values from 2028, until then there is a phased transitional arrangement

Guarantee of the legal minimum benefit (BVG minimum)

The statutory minimum pension of 6.8% of the mandatory retirement savings is guaranteed.

The statutory minimum pension of 6.8% of the mandatory retirement savings is guaranteed.

Financing provisions
Not necessary for retirement losses
Possibly necessary for BVG warranty at pension fund level
Necessary for retirement losses at foundation level
Not necessary for BVG guarantee at pension fund level
Type and method of reserve financing

Each pension fund makes individual provisions for BVG guarantee costs if the statutory minimum benefit is higher than the regulatory retirement pension in individual cases.

The calculation takes into account all insured persons aged 58 and over.

A solidarity-financed provision is created for insured persons in the S model at foundation level.

To this end, the foundation charges a fixed supplement defined per company on the risk contribution for insured persons aged 30 and over, amounting to between 0.45% and 0.90% of the insured savings wage.

The remaining financing requirement is deducted when the annual result is distributed.

“Benefit from attractive benefits and a cooperative partnership.”

Holistic care management for win-win situations

With our in-house care management system, we support insured persons unable to work in their reintegration into working life.

Founded and managed by pension fund experts

Find out more about our branch office DR. WECHSLER & PARTNER Experten für berufliche Vorsorge AG.

Our references

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