Targeted investment of pension assets

For many investors, the pension assets they have saved are the most important part of their total assets. But how is it invested in a targeted manner? There is no one-size-fits-all solution. The decisive factor is always your own personal situation. As an award-winning independent asset manager with a FINMA license, we have specialized in individually structuring and independently managing pension and vested benefits assets for 25 years.

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Professional investment of pension assets

With the withdrawal of your pension capital, a new responsibility begins. Decisions regarding private assets or vested benefits and investment strategy have a direct impact on your financial situation in retirement.

Many investors are faced with the same questions:

How should I invest?
How much risk is sensible?
How can I secure my income in the long term?

Based on your personal situation, we will answer these questions, develop an investment strategy and implement it professionally for you.

Investment in retirement

By withdrawing capital, you take responsibility for your assets. The decisive factor here is a sustainable balance between capital preservation and thus protection against inflation as well as a reliable income in combination with consistent risk control. Especially in this phase, wrong decisions often have long-term effects and are difficult to correct later.

The most important principles for investing pension capital

Adapt your strategy to your stage of life

Your investment strategy must match your life expectancy, risk capacity and income requirements.

Diversification

Broadly diversify risk across countries, industries and sectors and thus avoid cluster risks.

Risk management

Too high a risk jeopardizes your capital, too low a return jeopardizes your purchasing power.

Pension replacement

Your money should work for you and generate returns.

Professional asset management of your pension assets with Tareno

Our services

Holistic analysis of your financial situation

Tailor-made investment strategies for retirement

Continuous portfolio monitoring and adjustment

Competitive conditions compared to conventional banking solutions

Your advantages

Clear basis for decision: pension or capital

Independent asset management. No use of own products

Over 25 years of experience in asset management for discerning private clients

Multiple awards as asset manager of the year

No change of bank necessary

Using pension fund capital correctly: Vested benefits solution or private assets?

When you withdraw your pension fund assets, your pension fund assets are transferred to your private bank account and are freely available to you. They are taxed once at a reduced special rate and then count as private assets. It is therefore subject to wealth tax and income tax. A vested benefits account can be an alternative here. Your pension fund assets are parked in a vested benefits account. During this time, the assets remain tax-privileged. Withdrawal tax is postponed until the vested benefits account is closed and no wealth or income tax is payable during this time. However, as with the PF, the money cannot be accessed until the account is closed. You can find out whether a vested benefits custody account is at all possible or makes sense for you by talking to us.

Regardless of whether you opt for private assets or a vested benefits solution. We offer everything from a single source.

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When can a vested benefits custody account be opened by law?

You have decided to withdraw the pension fund capital, but do not need the capital at the moment and are looking for a tax-optimized solution. (For this purpose, a custody account is opened so that the capital is not withdrawn immediately in cash, but continues to be managed for a maximum of five years beyond the reference age. From 2030 onwards, this deferral requires evidence of gainful employment).

You are temporarily or for a longer period no longer in gainful employment.

You have changed employer and cannot transfer the entire amount to the new pension fund.

You are leaving Switzerland.

You are becoming self-employed or are already self-employed.

You are entitled to a portion of your spouse's pension fund assets as part of divorce proceedings.

Our services

Benefit from our award-winning investment solutions - also for the professional management of your vested benefits assets.

Professional management of your vested benefits assets by our competent advisors

A structured and disciplined investment process within the BVV2 standards

Ongoing risk control based on your needs

Your advantages

Extended investment options within the BVV2 standards, which also include direct investments

Optimal coordination of your vested benefits assets with your freely available assets and their investment

Independent asset management (best-in-class approach) embedded in your personal financial planning.

The regular delivery of reports that provide information on the development of your assets

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Your vested benefits assets – invested individually and cost-effectively

An income-oriented strategy can pay off twice over, because as a Swiss citizen you do not have to pay tax in Switzerland on the profits you make from investing your vested benefits assets.

Your vested benefits

Vested benefits. Your questions, our answers

Anyone with vested benefits assets is often at a crucial point in their professional life. Be it a change of job, a career break, early retirement or emigration. This raises many questions, particularly regarding investment, taxes, flexibility and pension goals.

Questions relating to vested benefits should always be answered on an individual and situation-specific basis. This is exactly what we specialize in.

Please feel free to contact us. Together we will find the best way for your financial future.

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1e Pension provision: Flexible pension solutions for companies in Switzerland

With our partner PensExpert, we offer your company’s management staff the opportunity to structure their extra-mandatory pension provision individually according to their needs. The extra-mandatory pension assets are held in PensExpert’s 1e collective foundation and managed by us at Tareno – with our award-winning investment solutions.

More freedom for your employees

This solution enables your employees to dispose of their pension capital in a self-determined manner and invest it in the way that suits them best.

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Why PensExpert?

We chose PensExpert as our partner because they are a leading provider of self-determined and independent pension solutions in Switzerland.

With almost 100 experts, PensExpert offers comprehensive expertise and personal advice on pension solutions.

By working with PensExpert, you benefit from a customized pension plan that is optimally tailored to your personal needs and financial goals.

The advantages of a customized 1e pension plan

Individuality

Your employees can invest the non-compulsory portion of their pension provision individually, entrepreneurially and under their own responsibility

Perfect tuning

The invested pension capital is always optimally matched to the basic pension fund capital

Security

The pension capital saved is always invested within the regulatory framework

Personality

Every insured person has the freedom to choose the customer advisor at Tareno who is right for them. This will be their direct contact for all questions and requirements relating to their individual 1e pension solution

Turn your vested benefits account into an investment!

Our specialist will work with you to analyze your individual pension situation and propose tailor-made solutions. Of course, he will also support you with the transfer of your pension capital.

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