Pensions made simple · Episode 14

Executive pensions:
more for higher incomes

What exceeds CHF 90,720 needs its own solution.

BVG mandatory: salary up to CHF 90,720
Above that: often underinsured without an executive plan
The solution

Bel étage: the executive plan

More savingHigher credits on higher salary parts
More protectionBetter risk benefits for executives
More deductionAdditional tax-effective buy-in potential
The top tier

1e plans: your own strategy

CHF 136,0801e plans possible from this salary level
Free choiceInvestment strategy chosen yourself
IndividualNo redistribution to other insured members
The deal

Opportunity versus risk

Opportunities

  • Full return of your own strategy
  • No cross-subsidising
  • Transparent, individual investment

Risks

  • No minimum interest, no guarantee
  • Exit at effective value – even after a downturn
  • Usually paid out as a lump sum only
For companies

Retention & balance sheet

RecruitingAttractive pensions as a talent argument
RetentionExecutive plans reward responsibility
Balance sheet1e reduces the firm's pension risks
Good to know

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💡 Not every executive plan fits everyone. Income, horizon, risk capacity and the concrete strategy deserve scrutiny – independent of the provider.
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This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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