Every company is unique. That’s why we offer you individual pension plans that suit you and your employees.
Find the optimal pension plan for your company
Since each company has its own requirements and needs, we offer individual pension plans. Get advice and provide your employees with the best possible protection with our solutions.
Pension fund with the highest interest rate
Profond regularly ranks at the top of the pension fund comparison by SonntagsZeitung and Finanz und Wirtschaft: We have received the award for the highest interest rate already seventeen times.
The benefits for you and your employees
Our investment strategy is designed to keep retirement assets invested over several decades. As a result, temporary fluctuations in the market are exceeded in the long run by value increases. In good trading years, we invest in our own financial stability and have sufficient cash and cash equivalents and ongoing income from our investments. This ensures financial stability and fulfilment of Profond’s pension promises.
Thanks to our investment strategy, which is consistently geared towards sustainable capital growth, we are one of the most successful pension funds in Switzerland. Since our inception in 1991, the average annual return has been 5.1% and the average annual interest rate has been 4%.
Profond’s insured members have benefited from above-average interest rates for years. Due to the long investment period and the compound interest effect, this leads to significantly higher retirement assets and thus to a higher pension.
Manage your employees' occupational retirement benefits directly in our online portal “ProfondConnect” and keep track of everything at all times. The direct input makes the processes more efficient and faster for you, while at the same time increasing data security.
Profond offers its insured members, among other things:
- Generous survivors’ benefits: If a person insured with Profond dies before retirement, the entitled surviving dependants will receive the entire retirement assets in addition to the usual benefits. This also includes all purchases from Profond or previous funds.
- Pension with capital protection for up to 10 years, but up to a maximum of 75 years of age.
- Modern practice for life partnerships: Contributing members can make their partner a beneficiary, even if they do not live together.
When investing client funds as well as in operational business, we observe environmental, social and governance criteria.
Profond Care actively contributes to ensuring that absences of your employees due to accident or illness are as short as possible and that those affected can re-enter the world of work – without any additional costs.
How the switch works
Claudia Brand, Head of Customer Advisory Services Sales, explains step by step how the switch to Profond works.
Option-plans – for even better pension provision
Would you like to make pension provision even more attractive for your employees? With option-plans, you give your employees the opportunity to personally influence their pension provision and show yourself to be a responsible and attractive employer in the market.
Guide to changing your pension fund
General information
Changing your pension fund needs to be well prepared and organised. This includes timely and transparent information for employees and their active participation in the decision-making process.
Before you start the change process, consider the following:
- A good pension solution: A good solution ideally covers the needs of both employees and employers. However, there is no one perfect solution for everyone, but different options that always include compromises.
- Using a broker: A broker can help with the selection process. You can find an overview of the sales partners Profond works with here.
The change process involves the following steps:
- Organisation: Depending on the size of your company, it is advisable to set up a working group for the change process, made up of employer and employee representatives.
- Information: The working group will inform employees of the intention to change and the cooperation procedure.
- Criteria and offers: The working group will determine the criteria for the selection of a new pension fund and seeks offers.
- Information session: The working group will present the various options, including their advantages and disadvantages, to your employees.
- Obtaining consent: The working group will seek the consent of the employees.
Shortening the deadline
For a change to be possible, your contract needs to be terminated by the end of the year. The notice period normally ends on 30 June. This means that you should lodge a request with your current pension fund to shorten the deadline, so that you have until 30 September for termination.
Requesting an offer in four steps
In each case, we check thoroughly whether an employer who wishes to switch to Profond is a good fit for us. This will protect our existing clients and insured persons. To carry out this audit, we need confidential documents from the interested companies.
So that we can review your request and make you an offer, if necessary, please follow the step-by-step instructions below.
1. Check whether your company is a good fit for Profond
- Your company employs at least 50 people.
- Its registered office is in Switzerland.
- Your company is registered in the commercial register Central Business Name Index.
Companies from the following sectors are excluded:
- Hospitality (hotels, restaurants, cafés, etc.)
- Housekeeping (domestic workers)
- Agriculture and forestry
- Taxis
- Massage salons
- The defence industry
2. Notice period
Check the notice period of your current pension fund (usually 6 months before the contract expires) and make sure that a change can take place at all. If necessary, make a request to your current pension fund to shorten the notice period, so that you have until 30 September for the termination.
3. Compile the documents required
- The existing affiliation agreement with your current pension fund
- Your current pension plans
- A personnel list with the following information:
- SC number (formerly the AHV No.)
- Date of birth
- Marital status
- Workload
- AHV salary
- Any loss compensation with details of the last 5 years
- List of benefits
- The retirement assets of your insured persons, divided into mandatory and non-mandatory
- If you have a daily sickness allowance insurer, we will need their policy number.
The aforementioned documents can usually be found here:
- You can request the list of benefits, the retirement assets of your insured persons and the loss compensation from your current pension fund. Please send your current pension fund a request to send the tender documents directly to vertrieb@profond.ch in an encrypted e-mail.
- You should already have the pension plans and affiliation agreements. If not, you can also request them from your pension fund.
For newly founded companies without an existing pension fund, we only need the personnel list.
4. Send the documents required to the following address: vertrieb@profond.ch. Do not forget to send us a second e-mail with the same subject line and the password you use for the documents.
Please note that there is no entitlement to an offer from Profond, even if your company meets all of the criteria mentioned and you have submitted all of the documents necessary. We reserve the right to refuse to issue an offer without stating reasons.
Termination
If you are satisfied with our offer and have signed it, we will issue you a confirmation of cover. After that, you can terminate your current pension fund.
Self-check: Have you thought of everything?
- Is your company a GmbH or AG?
- Are the headquarters in Switzerland?
- Does your company have at least 50 employees?
- Have you put together all of the documents necessary?
- Can the existing contract be terminated?
If you can answer these questions with “yes”, send the collected documents to vertrieb@profond.ch.
We look forward to hearing from you.Allgemeine Informationen