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Occupational benefit scheme Cadre Employee Benefit Scheme 1e

Helvetia Cadre Employee Benefit Scheme 1e. Shape your investments.

The Helvetia Cadre Employee Benefit Scheme 1e enables self-employed individuals and insured high-earners in a specific salary bracket to select the investment strategy for their retirement savings within the context of an occupational benefit scheme.

Choice of investment strategy on the basis of personal risk tolerance and risk preference

Well diversified investments that are cost-effective and transparent

The insured person chooses between five investment strategies with equity weightings from 0% to 80%

Who is the Cadre Employee Benefit Scheme 1e suitable for?

The Helvetia Cadre Employee Benefit Scheme 1e is available to self-employed individuals and companies with employees in the medical, legal, management consulting, architecture, engineering and financial services sectors. The scheme takes its name from Article 1e of the Ordinance on Occupational Old-Age, Survivors' and Invalidity Pension Provision (OPO 2). This retirement savings scheme is available for salaries in a specific band defined by law. It reflects the demand for personal choice in investments made through employee benefit schemes.

Our benefits for your managerial staff

The company concludes a Helvetia Cadre Employee Benefit Scheme 1e policy. At present, every insured person can choose between five investment strategies, so they can select the strategy that best matches their risk preference and risk tolerance. The capital market risk is borne by the insured person.

How does the Helvetia Cadre Employee Benefit Scheme 1e work?

The Helvetia Cadre Employee Benefit Scheme 1e fits seamlessly into the company's existing basic employee benefit scheme. Pension assets in the Helvetia Cadre Employee Benefit Scheme 1e are invested in Helvetia Allegra Funds. Disability and death risk benefits can be structured flexibly within the legal framework for employee benefit schemes. These risk benefits are reinsured with Helvetia Life. The contract of association for the Helvetia Cadre Employee Benefit Scheme 1e is concluded with Liberty 1e Flex Invest Foundation.

What is insured?

It is only possible to insure salary components that are more than one and a half times above the upper threshold defined in Article 8 (1) LOB (as at 2023: CHF 132,300), up to the maximum insurable salary (as at 2023: CHF 882,000). The employee benefits are outside the scope of the LOB Guarantee Fund so they are not covered by this fund. Nevertheless, contributions to the LOB Guarantee Fund are mandatory. Death and disability benefits are insured as agreed in the employee benefit scheme. The Cadre Employee Benefit Scheme 1e is a seamless fit with the basic insurance cover.

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How flexible is the Cadre Employee Benefit Scheme 1e?

The basic legal conditions set out in Article 1e OPO 2 must be observed (as at 2023):

There must be a corresponding foundation to implement the scheme; in the case of the Helvetia Cadre Employee Benefit Scheme 1e, this is the Liberty 1e Flex Invest Foundation.
It is only possible to insure salary components that are more than one and a half times above the upper threshold defined in Article 8 (1) LOB (as at 2023: CHF 132,300), up to the maximum insurable salary (as at 2023: CHF 882,000).
Various investment strategies may be offered within a benefit scheme.
The risk of death and disability must be insured.

The Helvetia Cadre Employee Benefit Scheme 1e currently offers insured persons a choice of five different investment strategies with equity weightings of between 0% and 80%. If their needs change, insured persons may switch to one of the other investment strategies offered by the Helvetia Cadre Employee Benefit Scheme 1e. Moreover, insured persons can optimize their tax position via voluntary contributions. The benefit scheme and death and disability benefits are structured in accordance with the company's requirements.

All fund information and fact sheets can be found on the following websites:

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Downloads & links

Information sheet – Helvetia Cadre Employee Benefit Scheme 1e [PDF, 195 kB]

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