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Occupational benefit scheme
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Pension information
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Health
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Information & services
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Occupational benefit scheme
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Pension information
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Health
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Information & services
Helvetia LOB invest
Why is an occupational benefit solution with Helvetia LOB Invest advisable?
When companies opt for Helvetia LOB Invest, they get an employee benefit scheme combining state-of-the-art pension solutions with attractive potential returns. Helvetia LOB Invest is suitable for companies that would prefer not to set up their own pension fund but nevertheless want to actively shape their employees' pension arrangements.
Helvetia LOB Invest allows companies to give their employees the option of profiting from the opportunities offered by the market. It is a way for companies and their workers to profitably invest retirement savings at low cost. That gives the participating businesses an edge in a highly competitive labour market.
A brief guide to Helvetia LOB Invest
How does Helvetia LOB Invest's model work?
Helvetia LOB Invest is a semi-autonomous solution in which the retirement assets are managed by the Helvetia Investment Foundation. The focus is firmly on stability and the profitability of the retirement savings. The investment strategy follows the core-satellite approach. The core of the investments is indexed and comprises shares and bonds. Investments of this kind incur only low asset management fees. Assets are also invested in real estate and mortgages (satellites). These satellites are actively managed and increase the potential returns. That enhances the prospect of additional returns. Helvetia Swiss Life Insurance Ltd, a highly regarded insurance company, covers the disability and death risks. The retirement pensions are managed by Helvetia LOB Invest itself in its capacity as the group foundation.
What is insured?
Helvetia LOB Invest offers basic pension cover that matches the compulsory portion of LOB occupational benefits. The benefits can be enhanced as desired to meet the needs of the company and its employees. Helvetia LOB Invest offers the following additional benefits at no extra cost:
- No limitations on spouse's pensions, as is the case with the LOB
- Partner's pensions for cohabiting couples
- Restitution of contributions: If the insured person dies, Helvetia pays out the accrued retirement savings as a lump sum death benefit. This applies in cases where no pension has to be paid for a surviving spouse, registered partner or partner.
How flexible is Helvetia LOB Invest?
Companies can adapt their employee benefit solution at any time to meet their changing needs and those of their employees. Helvetia places special emphasis on consultation. The company's tax situation is also taken into account. Helvetia can provide advice and adapt the employee benefit solution at any time.