Can I customise pension benefits for my SME?

More than a duty: Seeing pensions as an opportunity

Occupational pensions are a key topic for every company in Switzerland. The Swiss Federal Act on Occupational Retirement, Survivors’ and Disability Pension Plans (OPA) defines the mandatory minimum benefits, creating a solid foundation for the financial security of employees. However, a modern pension fund solution can be much more than just fulfilling legal requirements. It is a powerful tool to express appreciation for your employees and to position yourself as an attractive employer in the competition for skilled professionals.

Your options for customisation

A pension solution tailored to your company takes into account your financial situation, your risk appetite, and the needs of your workforce. At Tellco, you have the opportunity to define various parameters individually:

• Adjust savings plans: You can set higher savings contributions than the legal minimum. These are often staggered by age to specifically promote the growth of retirement savings.
• Optimise risk benefits: Provide your employees and their families with better coverage beyond the mandatory minimum. This includes higher benefits in the event of disability or additional death-in-service lump-sum benefits.
• Choose an investment strategy: You can define the investment strategy that matches your risk appetite. With Tellco, you can choose between the security-orientated strategy (Tellco pk PRO), the yield-orientated strategy (Tellco pk PULSE), or a completely individual investment strategy (Tellco pk INDIVIDUA).

In a personal consultation, we will transparently present all costs and create an individual cost-benefit analysis for your company.

The path to a tailored pension solution: Clear and structured

Designing an individual pension fund solution is a structured process in which we closely support you. Implementation typically occurs in three steps:

1. Analysis and consultation: In an initial meeting, we jointly analyse your current pension situation, your business objectives, and the needs of your employees. Based on this, we show you concrete design options and their financial implications.
2. Design of the pension plan: You define the desired savings contributions, risk benefits, and, if applicable, the investment strategy. We create the appropriate pension plan for you that meets all legal requirements.
3. Implementation and communication: Following the decision by your pension fund commission, we handle the smooth administrative implementation. At the same time, we support you in clearly communicating the benefits of the new solution to your employees.

The right solutions for every company profile

Every company is unique. That’s why Tellco offers various pension models tailored to different needs and sizes:

Tellco pk PRO: Security and stability

This proven solution is suitable for companies that value a solid foundation, long-term stability, and low fluctuations. It offers maximum flexibility in designing pension plans and is available from just one employee.

Find out more about Tellco pk PRO

Tellco pk PULSE: Growth and returns

For companies with a long-term investment horizon that want to take advantage of higher return opportunities, Tellco pk PULSE is the right choice. This progressive solution relies on a higher equity component and promotes the growth of retirement savings.

Find out more about Tellco pk PULSE

Tellco pk INDIVIDUA: Maximum freedom of design

For companies striving for a new level of design freedom – typically from 50 employees or with pension assets over CHF 20 million – Tellco pk INDIVIDUA offers the autonomy of a corporate foundation, combined with the efficiency and security of a collective foundation. You determine the investment strategy, the asset manager, and other actuarial assumptions yourself.

Find out more about Tellco pk INDIVIDUA

Governance and compliance: Security within the legal framework

The design of the pension plans is the responsibility of your company, represented by the pension fund commission with equal representation. Our role as your partner is to support you in ensuring that all decisions comply with legal requirements (OPA). We ensure that your pension plan meets regulatory requirements and assist you in fulfilling your reporting and supervisory duties. Our digital interfaces, such as the iTellco employer portal, are also designed for data security and seamless integration into your existing HR processes.

Efficient administration thanks to digital tools

An individual pension solution doesn’t have to be complicated. With our online portal iTellco, you can manage entries, exits, and other changes easily and efficiently. This reduces your administrative workload and gives you more time for your core business.

Go to iTellco

Your next step

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<sub>Legal Notice: The content provided in this Knowledge center is intended solely for general informational purposes. It does not constitute binding information, does not replace legal, tax, financial or any other professional advice, and does not contain any recommendation to enter into, amend, or terminate contracts.

The information is prepared with due care and updated regularly. Nevertheless, the companies of the Tellco Group do not assume any guarantee for the accuracy, completeness or timeliness of the content. The only authoritative sources are the applicable legal provisions, the relevant regulations, and the official product and contract documentation, including individual contracts and the pension plans of the respective responsible company.

Use of the content is at your own risk. To the extent permitted by law, the companies of the Tellco Group exclude any liability for direct or indirect damages arising from the use of or reliance on the content of the Knowledge Centre. Furthermore, the general legal notices on www.tellco.ch apply.</sub>