Helvetia LOB Invest. The employee benefit scheme with potential returns.

With the semi-autonomous Helvetia LOB Invest foundation, the insured persons' pension assets are invested in the LOB-Mix Plus 35 investment group of the Helvetia Investment Foundation. The focus is firmly on stability and the profitability of the retirement savings.

The investment strategy (asset allocation) focuses on investments in securities, real estate and mortgages. For securities investments in equities and bonds, the main vehicles used are cost-efficient, broadly diversified and sustainable index funds. The real estate and mortgage investments are actively managed, increasing the potential returns. The investment group’s sustainability strategy includes the systematic integration of ESG (environment, social, governance) criteria for all asset classes. It is in line with the objectives of the Paris Climate Agreement. For real estate, it pursues the net zero target for greenhouse gas emissions by 2050. 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.

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.
  

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.