Columna Collective Foundation Client Invest About the Foundation

• Retirees are transferred from the occupational benefits fund to the Foundation. 
• The occupational benefits fund can take over the conversion rates determined by the Foundation or set its own. 
• It can define a higher conversion rate for extra-mandatory benefits or one comprehensive conversion rate. 
• The provisions needed to finance retirement losses and any higher conversion rates are calculated by the pension fund actuary on an annual basis. 
• Provisions participate in the investment performance of the occupational benefits fund.

The risk benefits of death and disability are guaranteed by AXA. The occupational benefits fund, however, bears the investment risk for the retirement assets of the insured and also decides on how any additional earnings are to be used.

The strategy analysis forms the basis for the asset management of a pension solution. The company’s occupational benefits fund commission defines the investment strategy taking into account the risk capacity, risk tolerance, and target return. The companies are supported in these key processes and decisions by AXA Asset Management, Credit Suisse, or another asset manager of their choice.

• AHV (OASI) bridging pension
• Smaller reduction in retirement pension upon early retirement
• Additional death lump sum 
• Additional benefits for pensioners
• The occupational benefits fund creates the corresponding provisions for the funding of these benefits

Contribution+ option:

For company-owned pension funds, the pension plan may envisage higher risk/cost contributions than are required by the actual premiums. This option is likewise offered in Client Invest through Contribution+. 

Corporate group option:

With the dissolution of a company’s own pension funds and the takeover of comparable collective foundation solutions with multiple employers, Client Invest offers a solution for specific corporate structures.