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With the Helvetia retirement pension you secure a regular, guaranteed additional income for yourself from a date of your choice. The retirement pension supplements your pension from the OASI and from your pension fund.
Guaranteed additional income for life
Choice of method and time of pension payment
Choice of method and duration of capital accumulation
Additional contributions possible, to increase your pension
Premium waiver in the case of incapacity to work optional
Tax advantages with Pillars 3a and 3b
Retirement pension – your income in old age?
With this private retirement pension you can create additional income in old age. The retirement pension supplements the entitlements you have acquired from Pillars 1 and 2. It is suitable for:
long-term retirement savings and supplementing your income
saving for planned early retirement
security for your partner or family in case you die
A brief guide to the retirement pension
What is insured?
Age: A guaranteed pension is paid to you from a date of your choice. You receive the agreed amount for life or for a defined duration.
Death: During the capital accumulation period, Helvetia pays out the amounts already paid in. After that the capital still present is paid out as what is known as a refund amount. If two people are insured, Helvetia continues to pay the agreed pension amount.
Incapacity to work (optional): If you lose your capacity to work during the capital accumulation phase, we will waive your premium, and the savings process will continue.
How does the retirement pension work?
The Helvetia retirement pension is a form of private pension that can be adapted to your needs. Depending on your budget, you continuously build up your pension capital with an annual contribution during a savings phase of your choice, or with a one-off payment. Half-yearly, quarterly or monthly payments are also possible.
On the agreed date you receive your guaranteed benefit as a pension for life or for the previously defined period, each month, every three months, every six months or once a year, as you wish. You also benefit from profit sharing. As the profits allocated depend on various factors, they cannot be guaranteed. The profits are paid to you in the form of an additional pension, together with the contractually agreed pension. The guaranteed pension payments continue for as long as you or your insured partner live.
What types of retirement pension are there?
With the Helvetia retirement pension you have a free choice of the start date, the number of people entitled to draw the pension, the method of pension payment and the duration of the pension.
Immediately starting retirement pension: With this version you make a one-off contribution with existing capital, for example from your own assets, from other pension products or from an inheritance. The pension payments start immediately and are paid for as long as the insured person lives. You can also take out this insurance policy for two people, and in doing so provide financial security for your surviving partner. Furthermore, you can take out this retirement pension as a temporary pension, for example to cover an increased pension requirement in the case of early retirement. The pension ends no later than at the end of the contractually agreed period.
Deferred retirement pension: With this insurance policy you start to save in your younger years so that you can benefit from your private pension provision in your old age. A one-off contribution is also possible. The pension payment only begins on the date specified by you. In this case too, you can provide security for two people with one policy. Furthermore, you can also select a time-limited version for drawing your deferred pension. Important: Only with the deferred pension can you enjoy the tax advantages of restricted pension provision (Pillar 3a) during the deferral period.
Helvetia can help you find the best-possible solution to finance your retirement.
Retirement pension – the solution to match your needs
Secure your livelihood
Secure your entitlement to a pension for life.
Save and realize your dreams
The premium waiver enables you to reach your savings target easily.
Helvetia will invest your money prudently and professionally.
Be financially independent
Systematic saving means you will have adequate financial means at your disposal even after your retire.