For insured persons
From the start of your career to retirement — TRANSPARENTA is happy to assist you.
We have summarized the most important information about your occupational pension plan for you below. In the event of a claim, the provisions in the regulations authoritative.
Would you like additional information? Then we would be happy to be there for you personally. We look forward to hearing from you.
You can also use our web portal. Here you can access your personal insurance account, carry out simulations and queries, and exchange messages and documents with us in encrypted form.
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Informationen & Downloads
Here you will find important information, forms, and factsheets regarding your occupational pension at TRANSPARENTA Pension Fund.
“Occupational pension plans with clear prospects — safe. efficient. transparent.”
Your path to a worry-free retirement
A solid budget is the foundation of all retirement planning. Compare your expenses with your income and create a monthly and annual budget. Also, consider changes after retirement. It's best to start planning 10 to 15 years in advance. This is because if an income gap is identified for after retirement, you can spread measures such as voluntary contributions to the pension fund over several years in a tax-optimized and budget-friendly manner.
When planning your budget and retirement, consider important topics such as fixed costs, your accustomed standard of living, taxes, asset investment including liquidity, income security, housing situation, life expectancy, potential survivors including inheritance law, and so on and so forth.
It is often advisable to create an individual financial plan with the help of specialists, one that comprehensively considers your asset situation across all three pillars of retirement provision. For this, contact an independent financial planner, your bank, or an insurance company you trust. Please note that they will charge a fee for their services. This is beneficial: financial planners for private individuals who ostensibly work for you for free often rely on commissions from product providers. This can lead to potential conflicts of interest during consultation.
In TRANSPARENTA's web portal, you can independently simulate your projected retirement benefits from the pension fund as often as you like. This can be done for different points in time and for up to three retirement stages.
Of course, our contacts at our office are also available for preliminary calculations or general questions about retirement and payment options, offering personal phone consultations. Don't hesitate, as we are happy to provide the best possible support on your journey to a worry-free retirement.
If you are considering early or phased retirement, please contact us proactively. This way, we can help ensure you comply with all legal and regulatory requirements and deadlines. Please inform us of your chosen benefit payment – pension, lump sum, or a mix – at least one month before your retirement using the form «Retirement Information».
Do you want to receive your accumulated retirement savings as a secure pension for life, or as a one-time lump sum payment? Or is a mix the right compromise, and if so, in what proportion?
We are happy to support you with your retirement planning.
One-time death benefit insured for recipients of old-age pensions
Conversion rates in the SPLIT pension model (S model)
Sie erhalten bei uns den Durchblick zu fairen Konditionen
Ganzheitliches Care-Management für Win-Win-Situationen
Precautionary Commission
Each affiliated company forms a pension fund with a pension commission made up equally of employees and employers. The tasks are specifically defined in employee benefits and organizational regulations.
This determines the structure of benefits and financing by selecting the pension plan. It decides on the distribution of free funds from surplus payments or the interest on retirement assets, depending on the individual coverage ratio and the pension model chosen for the pension fund.
This insurance covers claims for damages arising from a breach of duty (corporate liability) as well as the costs of defending against unjustified claims. However, it should be noted that the risk of damage resulting from breaches of duty is generally extremely low for pension commissions. The main tasks for implementing occupational benefits and thus the responsibility lie with the Board of Trustees, the Investment Commission and the Management Board.
Causes of the Pension Commission
TRANSPARENTA organizes a training event for pension committees every two years.
The next event is expected to take place in summer/autumn 2027.
Anlass für Vorsorgekommissionen - 12. Juni 2025
Das TRANSPARENTA-Team durfte am 12. Juni 2025 gegen 60 VK-Mitglieder der angeschlossenen Vorsorgewerke im Hotel Mövenpick in Basel begrüssen. Kurzweilig, lernreich und inspirierend sei der Nachmittag gewesen, so das erfreuliche Urteil aus dem Kreis der Gäste. Einen besonderen Höhepunkt bot das fesselnde Gastreferat von FCB-Ehrenpräsident Bernhard Heusler.
Anlass für Vorsorgekommissionen – 18. Oktober 2022
Mitte Oktober 2022 lud TRANSPARENTA die Mitglieder der Vorsorgekommissionen zur Information und zum fachlichen Austausch ein. Wir blicken auf einen erfolgreichen Anlass zurück.