Actively influence your own occupational provisions: the semi-autonomous employee benefits solution Swiss Life Business Select enables employees to determine their self-determined occupational provisions in their own company.
The greatest possible self-determination in future provisions
Do you want the maximum possible autonomy in deciding about your company's occupational provisions? If so, you should consider Swiss Life Business Select: You make the investment decisions and define key values, such as the conversion rate or interest on retirement savings, in accordance with your requirements and in line with your company's financial situation.
Best Select Invest Plus® approach
Objective investment strategy
Competent management of your vested pension capital by the best-qualified asset managers
Transparency and security
Continuous monitoring of the portfolio by an independent investment controlling unit
Core satellite approach
Return and security through structuring of investment groups according to best institutional practice
How you benefit with Swiss Life Business Select
✔ Free choice of investment strategy: You have three prominent investment foundations to choose from (Swiss Life, Credit Suisse and UBS).
✔ Success through competence: With the Swiss Life Investment Foundation, you benefit from the Best Select Invest Plus® investment concept, under which only the best-qualified asset managers manage your vested pension capital.
✔ Insured risks: Swiss Life bears the risks of death and disability.
✔ Choice of conversion rate: You can set the level of the conversion rate from two different models.
✔ Individual scope of benefits: Your contractual benefits can be adjusted quickly in line with changing circumstances.
✔ High flexibility regarding the method of payment: You can choose between an annual, quarterly or monthly contribution.
Make an appointment for a consultation
Are you interested in an individual pension solution? Our experts provide a personal consultation free of any obligation.
FAQs about the solution
Swiss Life Business Select is the right choice for you if you want to take control of your occupational provisions. You select the investment strategy and tailor it to your requirements.
Swiss Life Business Select is a semi-autonomous pension solution with individual pension fund assets invested at employee benefits unit level. This allows you to decide in self-determination about the investment strategy. Your employee benefits unit bears the investment risk – however the risks of death and disability are always reinsured by Swiss Life. With the support of your personal advisor, who offers you both a professional analysis and close support, you determine the key points of your pension provision yourself, e.g. the amount of the conversion rate or the amount of interest paid on your retirement savings.
It is important to budget so your employee benefits unit is prepared for possible lean spells. When performance is good, you accumulate reserves to enable your employee benefits unit to absorb a poor performance and avoid a shortfall. If a shortfall occurs, restructuring measures may be required, depending on the extent of the shortfall. In such situations, experts can support you with measures tailored to your company.
As a Swiss Life Business Select customer you have maximum flexibility. You define the investment strategy as well as the conversion and interest rates based on your employee benefits unit’s financial resources. You can choose from different models.
Swiss Life Collective Occupational Pension Foundation – with choice of investment foundation
Facts and figures on the semi-autonomous collective foundation behind Swiss Life Business Select.
Other pension solutions
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For start-up founders who want to conclude their pension insurance online
The right complementary solution for your management
Self-determined executive solution for employees
Insure salary portions over CHF 127 980 (as of 2020) in a self-determined manner with Swiss Life's 1e plan.