- What interest has the obligatory capital accrued over the last 3 years?
- What interest did the supplementary capital accrue?
- Are there interest guarantees for the next few years and how high are they?
- Which conversion rate applies with the obligatory capital?
- Which conversion rate applies with the supplementary capital?
- Which measures have been taken against the demographic life expectancy risk?
- Which is the extrapolation interest rate for the retirement capital?
- Is there a guarantee for risk and administrative costs and for how long?
- Who bears the investment risk (full cover yes/no)?
- Have surpluses been or will they be credited to the insured persons?
- Which is the minimum/maximum duration of contract?
- When are the premiums due, in advance / in arrears?
- What is the debit interest / credit interest with the premiums?
- From which degree of incapacity for work is a pension paid out?
- Are benefits also paid out in the event of an accident?
- Are the personal purchases paid out additionally/separately to the payout in the event of death?
- What is the current cover ratio of the pension facility?
- How has the cover ratio developed over the last 5 years?
- Which companies/persons are behind the pension facility?
- What is the history of these companies/persons?
- What is the financial strength of these companies/persons?
- How many insured persons does the pension facility have?
- How high are the assets managed by the pension facility?
- How many pension recipients does the pension facility have?
- How high are the ongoing pension obligations?
- What is the age structure of the insured persons?
- Does free movement apply for changes in pension funds for the employees' health?
- Is the pension facility a member of the Swiss Insurance Association?
- Which costs are incurred when the insurance contract is terminated?
- What happens to the invalidity, old-age and survivors' pensions in the event of a change in pension fund?
- How does the pension fund deal with the interest risk; is there a deduction for interest risk in the event of a change in pension fund?
- What options are there for online administration?
- In which languages are the documents/insurance certificates available?
- Are employee information events planned?
- Does the pension facility offer retirement planning consultations?
- Is the investment strategy communicated in a transparent manner?
- Can the fund's board influence the investment strategy?
- Can the individual employee influence the investment strategy for his/her retirement capital?
- How many companies are affiliated with the pension facility?
- What is the market position of the pension facility?
Christoph Brun
Senior Mandate Manager & member of the Executive