How do flexible pension solutions boost motivation?

More than the minimum: the strategic value of occupational pensions

A solid pension fund solution is a matter of course for employees today. However, genuine motivation and appreciation only arise when the pension plan goes beyond the legal minimum. A flexible structure for occupational pensions (Federal Act on Occupational Retirement, Survivors' and Disability Pension Plans, OPA) shows that an employer takes the individual life situations and future plans of its employees seriously. This creates trust and strengthens the emotional bond with the company – a decisive factor in retaining qualified specialists for the long term.

Individual life stages require flexible answers

The needs for a pension plan change over the course of a professional life. A modern pension fund solution should reflect this change and offer suitable options for every phase:

• Young talents: Career starters often want to invest their capital in a growth-oriented manner in order to build up the highest possible retirement savings in the long term.
• Experienced specialists: Employees in the middle of their careers value security, but also want to be able to close pension gaps through voluntary buy-ins.
• Executives and older employees: For them, the focus is on individual solutions and flexible planning for the transition to retirement.

The pension solutions from Tellco meet these different needs. While Tellco pk PRO focuses on stability and security, Tellco pk PULSE offers yield-oriented opportunities. Tellco pk INDIVIDUA is available for individual needs above a certain size.

Concrete choices that motivate

Flexibility becomes a motivating factor when employees can experience it in a tangible way. This includes various options that go beyond the standard benefits:

• Flexible retirement: Options such as early or partial retirement enable a smooth transition to retirement and are particularly valued by experienced employees.
• Voluntary buy-ins: The option of closing pension gaps through voluntary buy-ins offers the opportunity to actively improve retirement benefits and adapt one's own pension plan to personal financial planning.
• Choice between a pension and a lump sum: The freedom to decide between a lifelong pension, a one-off lump-sum payment or a mixed form upon retirement offers maximum flexibility for personal future planning.

The measurable added value: ROI of flexible pension solutions

An investment in flexible pension benefits must pay off for companies. The return on investment (ROI) is not only reflected in satisfaction, but also in concrete business key figures:

• Reduced turnover costs: More loyal employees mean fewer resignations. This reduces expenditure on recruitment, training and loss of expertise.
• Increased employer attractiveness: In the competition for specialists, a modern pension plan becomes a decisive advantage that can shorten hiring times.
• Higher productivity: Employees who feel valued and financially secure are proven to be more committed and productive.

Secure and simple implementation in practice

The introduction of a flexible pension model is uncomplicated and secure with the right partner. A structured process ensures smooth implementation:

1. Needs analysis: First, the company structure and the needs of the workforce are analysed.
2. Solution design: Based on this, a tailor-made pension plan is designed that fits the respective budget and goals.
3. Communication & introduction: Tellco helps companies to communicate the new opportunities clearly and comprehensibly to their employees.

Simple administration, clear benefits

Flexible pension models do not have to mean additional administrative work. Thanks to digital tools, administration is simple and transparent for employers. Changes such as entries and exits or salary adjustments can be processed efficiently via the iTellco online platform. At the same time, the ePlix web app gives employees a clear overview of their personal pension situation at all times.

Do you have any questions about our pension solutions or would you like a non-binding consultation? Our experts will be happy to assist you.

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