Investing vested benefits assets

With the Tellco investment solution, your vested benefits assets are invested in selected investment funds and ETFs. This allows your pension capital to participate in the long-term development of the financial markets.

You choose an investment solution that suits your personal objectives, investment horizon and risk profile, and manage it easily online through Tellco Vorsento.

An investment solution is particularly suitable if your vested benefits assets are likely to remain invested for several years and you want to benefit from long-term return opportunities.

A remunerated account solution may be more appropriate for a short transition period or if a transfer to a new pension fund is already foreseeable. Your personal circumstances and expected investment horizon are the key factors.

Depending on your personal circumstances, vested benefits assets may remain outside a pension fund for several years. During this period, an investment solution offers additional opportunities to build wealth over the long term.

By participating in different markets and asset classes, the assets may grow more strongly over the long term than with account interest alone. Actual performance depends on the investments selected and market developments.

As a general rule, the longer vested benefits assets can remain invested, the better temporary market movements can be spread across different investment phases.

Before selecting a strategy, you should therefore consider when the capital is likely to be transferred to a new pension fund or withdrawn. As this date approaches, it may be appropriate to review the strategy and, where necessary, adopt a more defensive allocation.

Tellco offers a broad investment universe comprising globally diversified strategy funds, selected thematic funds, and cost-effective funds and ETFs.

This allows you to choose a proven core strategy and, depending on the available solution, supplement it selectively. The selection offers a range of allocations, from conservative to growth-oriented.

The Tellco strategy funds are broadly diversified investment solutions that combine different asset classes and markets in a single fund. They are developed and managed by Tellco Bank’s investment experts.

The strategy funds are suitable as a clear core solution if you want to invest your vested benefits assets professionally according to a clearly defined investment strategy.

Tellco offers four strategy funds with different equity allocations: Strategy 10, Strategy 25, Strategy 45 and Strategy 100. The number indicates the average or maximum equity allocation of the respective strategy.

This enables you to choose an allocation that suits your investment horizon and risk profile, from a more conservative strategy to a growth-oriented solution with a high equity allocation.

The appropriate strategy depends in particular on the expected investment period, your return objectives, and your willingness and financial ability to bear temporary fluctuations in value.

Tellco offers a range of strategies, from conservative to growth-oriented. You can select and manage the solution through Tellco Vorsento; Tellco’s pension specialists are also available to provide personal support if required.

Diversification means spreading pension assets across different asset classes, regions, sectors and companies. This makes the portfolio’s performance less dependent on any single investment.

The Tellco strategy funds are globally diversified. The Tellco investment universe also offers additional funds and ETFs that can be used to tailor a strategy selectively.

Fluctuations in value are part of an investment solution and vary depending on the strategy selected. A longer investment horizon makes it easier to offset different market phases.

More important than short-term market movements is ensuring that the strategy continues to suit your planned transfer or withdrawal date and your personal risk profile.

Yes. You can adjust your investment strategy easily at any time through Tellco Vorsento if your investment horizon, objectives or risk tolerance change.

A review is particularly appropriate when you start a new job, a transfer to a pension fund is imminent or your planned withdrawal date is approaching.

In addition to the Tellco strategy funds, selected cost-effective funds and ETFs are available for a more individual allocation. This allows the investment to be tailored more closely to personal preferences and objectives.

For vested benefits assets of CHF 500,000 or more, Tellco also offers a fully individual investment strategy comprising freely selectable investment funds that comply with the regulations. On a subsequent withdrawal, suitable securities may be transferred to a private custody account under certain conditions.

According to the currently published terms, no flat fee is charged for the Tellco strategy funds. For the individual investment products available digitally, the flat fee is up to 0.45 per cent per year, depending on the selection. The relevant product costs, or Total Expense Ratio (TER), are charged in addition.

Separate terms apply to fully individual investment solutions. Depending on the solution, custody, transactions and currency exchange are included in the flat fee. The applicable Tellco Vested Benefits Foundation fee regulations provide the complete overview.

You open your vested benefits account directly online through Tellco Vorsento and then select the investment solution that suits you.

In Tellco Vorsento, you can view your investments and the development of your pension assets, access documents digitally and adjust your strategy online when needed. Personal advice is also available in German, French, Italian or English.

The vested benefits solution is offered by the Tellco Vested Benefits Foundation, which is subject to the Central Switzerland Occupational Pension and Foundation Supervisory Authority. Asset management is provided by Tellco Bank Ltd, a Swiss bank supervised by FINMA.

Tellco thus combines a regulated Swiss pension structure with digital management, a broad investment offering and personal support.