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The prospect of a better retirement pension, attractive fringe benefits, and a wide range of services to promote health: AXA's Pillar 2 occupational benefits solutions offer SMEs and their staff all of this and more.
We would all like to think that we can retire without a care when the time comes, but a lot of people in Switzerland aren't sure their pension will be enough to maintain the standard of living they're used to. That's why it's vital to choose the right pension fund.
The amount of future retirement benefits depends mainly on the interest earned on the retirement capital. The difference between the statutory minimum rate of 1% and a rate of 2% or more is thus very significant. Thanks to the flexible investment strategy used in our semi-autonomous pension fund model, SMEs and their staff can look forward to much higher interest income over the long term. The benefits are considerable: doubling the rate of interest can increase a person's pension by up to 20% over the course of their working life up to retirement thanks to compound interest. This could mean several hundred francs more a month.
Since the change to semi-autonomy at the beginning of 2019, those insured with AXA's semi-autonomous solutions have received over CHF 2 billion more in interest income in total than would have previously been possible with full-value insurance.
Many people in Switzerland have no idea how much pension they will eventually receive. AXA's unique pensions portal finally offers transparency, providing a complete overview of your personal pension situation across all three pillars at any time and thus allowing you to see how well you're covered.
AXA has Pillar 2 solutions to suit every company, regardless of size. We have been providing individually tailored pension advice to all sorts of companies, from start-ups to large corporations, for decades. We can design a bespoke pension plan that perfectly meets the needs of your company and its staff. Whether full-time or part-time, single or married, with or without children, AXA's up-to-date solutions and outstanding pension expertise can take account of every employee's circumstances.
In addition to pensions, AXA – via its benefits platform Swibeco – enables even the smallest companies to offer their staff attractive fringe benefits and other advantages that are normally only available at larger firms. Staff can enjoy permanent discounts from retailers such as Coop, Migros, Zalando, H&M, IKEA, Manor, Intersport, and Interdiscount, as well as on a variety of AXA insurance products.
Healthy and motivated staff are absolutely essential to any company. Staff who feel appreciated and fit perform better and take less sick leave. With this in mind, AXA has developed a complete range of services to promote employee health in the workplace: occupational health advice, prevention, motivation, and reintegration of severely sick staff. These all hinge on personal advice, since every company's needs are different.
Besides providing the best possible pensions, AXA also cares a lot about sustainability. As an insurer, AXA is directly affected by climate events and other global risks, so we have already been working hard to address these issues for many years. AXA Switzerland aims to achieve net-zero carbon dioxide emissions from its operations by 2025 and rigorously applies sustainability criteria to its investments.
Anna Ehrensperger is a media spokes person and topic manager in the AXA Newsroom.
