Helvetia cadre employee benefit scheme. Additional benefit coverage and greater flexibility.

Pension solution for specific requirements

With the cadre employee benefit scheme, companies have the opportunity to improve the supplementary portion of the employee benefit scheme for certain employees, as required. In most cases, these are cadre employees who have significant shortfalls in their occupational benefits due to their higher salaries and who would like greater flexibility for their retirement benefits.

With this employee benefit solution, companies increase their attractiveness in the labour market. They thus strengthen the bond between their staff and the company, yet without having to manage their own pension fund. Company owners can also insure themselves and thus take advantage of additional benefits.

Investment strategy and sustainability

The pension assets of the insured persons are invested by Helvetia. In addition to the risks of death and disability, the investment risks and the longevity risk are also covered by an insurance contract. Among other things, the insurance thus provides the pension fund with a guarantee that the value of the retirement assets will be preserved as well as lifelong payment of the current old-age and survivors' pensions – regardless of developments on the financial markets.

Helvetia manages the investments for its own account and on the basis of two strategic objectives: firstly, the systematic integration of ESG criteria into the asset classes; and secondly, compliance with the goals of the Paris Agreement.