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.

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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
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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.
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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.

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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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