The perfect move: Choose the most suitable pension plan – individually and tailored to your company.
Find the best possible pension plan for your company
Are you searching for the best possible pension solution for your company? We offer various pension plans tailored to your needs. Allow us to advise you on how to benefit from the advantages for you and your employees.
Highest interest rate over a period of ten years
Profond regularly ranks at the top of the pension fund comparison by SonntagsZeitung and Finanz und Wirtschaft: Over a period of ten years, we have received the award for the highest interest rate already sixteen times.
Guide to changing your pension fund
General information
Changing your pension fund needs to be well prepared and organised. This includes timely and transparent information for employees and their active participation in the decision-making process.
Before you start the change process, consider the following:
- A good pension solution: A good solution ideally covers the needs of both employees and employers. However, there is no one perfect solution for everyone, but different options that always include compromises.
- Using a broker: A broker can help with the selection process. You can find an overview of the sales partners Profond works with here.
The change process involves the following steps:
- Organisation: Depending on the size of your company, it is advisable to set up a working group for the change process, made up of employer and employee representatives.
- Information: The working group will inform employees of the intention to change and the cooperation procedure.
- Criteria and offers: The working group will determine the criteria for the selection of a new pension fund and seeks offers.
- Information session: The working group will present the various options, including their advantages and disadvantages, to your employees.
- Obtaining consent: The working group will seek the consent of the employees.
Shortening the deadline
For a change to be possible, your contract needs to be terminated by the end of the year. The notice period normally ends on 31 June. This means that you should lodge a request with your current pension fund to shorten the deadline, so that you have until 30 September for termination.
Requesting an offer in four steps
In each case, we check thoroughly whether an employer who wishes to switch to Profond is a good fit for us. This will protect our existing clients and insured persons. To carry out this audit, we need confidential documents from the interested companies.
So that we can review your request and make you an offer, if necessary, please follow the step-by-step instructions below.
1. Check whether your company is a good fit for Profond
- Your company employs at least 5 people.
- Its registered office is in Switzerland.
- Your company is registered in the commercial register Central Business Name Index.
Companies from the following sectors are excluded:
- Hospitality (hotels, restaurants, cafés, etc.)
- Housekeeping (domestic workers)
- Agriculture and forestry
- Taxis
- Massage salons
- The defence industry
2. Notice period
Check the notice period of your current pension fund (usually 6 months before the contract expires) and make sure that a change can take place at all. If necessary, make a request to your current pension fund to shorten the notice period, so that you have until 30 September for the termination.
3. Compile the documents required
- The existing affiliation agreement with your current pension fund
- Your current pension plans
- A personnel list with the following information:
- SC number (formerly the AHV No.)
- Date of birth
- Marital status
- Workload
- AHV salary
- Any loss compensation with details of the last 5 years
- List of benefits
- The retirement assets of your insured persons, divided into mandatory and non-mandatory
- If you have a daily sickness allowance insurer, we will need their policy number.
The aforementioned documents can usually be found here:
- You can request the list of benefits, the retirement assets of your insured persons and the loss compensation from your current pension fund. Please send your current pension fund a request to send the tender documents directly to vertrieb@profond.ch in an encrypted e-mail.
- You should already have the pension plans and affiliation agreements. If not, you can also request them from your pension fund.
For newly founded companies without an existing pension fund, we only need the personnel list.
4. Send the documents required to the following address: vertrieb@profond.ch. Do not forget to send us a second e-mail with the same subject line and the password you use for the documents.
Please note that there is no entitlement to an offer from Profond, even if your company meets all of the criteria mentioned and you have submitted all of the documents necessary. We reserve the right to refuse to issue an offer without stating reasons.
Termination
If you are satisfied with our offer and have signed it, we will issue you a confirmation of cover. After that, you can terminate your current pension fund.
Self-check: Have you thought of everything?
- Is your company a GmbH or AG?
- Are the headquarters in Switzerland?
- Does your company have at least five employees?
- Have you put together all of the documents necessary?
- Can the existing contract be terminated?
If you can answer these questions with “yes”, send the collected documents to vertrieb@profond.ch.
We look forward to hearing from you.Allgemeine Informationen
The advantages for you and your employees
Proven and successful investment strategy – our strength since we were founded
We take on the investment strategy on your behalf: Our proven real value strategy makes us one of the most successful pension funds in Switzerland. This is shown by our figures: Since our foundation in 1991, we have achieved an average return of 4.9%, which made it possible for us to pay an average annual interest rate of 4%.
We ensure a high level of benefits, financial stability and security
Security of the pension assets and the stability of our pension fund are important to us. For this reason, we build on broad diversification of our investment portfolio and invest in financial stability in good times. Our long-term investment horizon makes it possible to easily balance out any fluctuations on the market, which enables us to sustainably offer our insured persons a high level of benefits in all of life's situations – even in phases characterised by a challenging market environment.
Choose pension plans tailored to your company
Every company is unique. This is why we provide you with individual pension plans tailored to your needs. This enables you to offer your employees especially beneficial pension arrangements:
- For example, increase the savings contributions for your employees
- Define and combine various pension plans and individual salary definitions for savings and risk insurance
Unique in Switzerland: Our generous survivors' benefits
In the event of death of a person actively insured at Profond prior to normal retirement, the surviving beneficiaries receive, in addition to the customary survivors' benefits, the entire retirement assets saved up to that point paid out as a lump sum payable at death. This amount also includes all purchases made at Profond or at previous pension funds. In addition, the pension plan may provide for an additional lump-sum death benefit.
Sustainable thinking and actions are important to us
As a pension fund, we bear a great responsibility towards the people we insure, our employees, society and the environment – indeed over many generations. For this reason, we pay attention to environmental, social and governance-related criteria not only when investing client funds but also in our operational business.
With Profond Care, we assist you in the event of your employees becoming unable to work
If employees are unable to work for a longer period of time or can only work at a reduced level, this poses major challenges for companies and those affected. Our "Profond Care" case management will provide you with advice and assistance in such situations – professional, flexible, unbureaucratic and free of charge.
Simple, digital management of occupational retirement benefits
Our "ProfondConnect" portal makes management of occupational retirement benefits simpler, more secure and available around the clock. You can make any changes directly in the employer portal and will benefit from having an overview at all times. Your employees can use the portal for insured persons to access their pension certificate and up-to-date information.