Occupational pension (BVG) is one of the three pillars of Switzerland's social security system, providing financial security for employees in retirement. Yet for companies, it's not just a legal obligation, but also an important cost and competitive factor.
Yet when did you last question your pension fund solution? Many companies tend to rely on existing models for years without checking whether they are still aligned with their targets, financial situation, or current legal framework conditions. A regular assessment pays, however, to reveal hidden costs, inefficient structures, and untapped tax-savings potential that, if left undiscovered, could become costly with time.
Is your current pension fund solution still competitive?
Is there savings potential without reducing employee benefits?
Is your solution aligned with the latest legal and economic requirements?
Does your pension strategy support the long-term financial stability of your business?
Whoever cannot respond to these questions unequivocally risks unnecessary financial burdens or leaves valuable optimization potential unused.
Analysis of the current pension fund solution: Where is your business today? What contracts, costs, and benefits do you currently have?
Identification of optimization potential: Is there any savings potential or do any better alternatives exist?
Definition of company objectives: What are your requirements for a future pension fund solution?
Gathering and comparison of different providers and models: full coverage, partly autonomous solution, or autonomous solution?
Examination of costs, benefits, and tax aspects: Which option provides the best price-performance ratio?
Assessment of risks & return potential: Which models are stable and sound in the long term?
Detailed assessment of options: Which solution is most appropriate for your corporate strategy?
Development of a tailor-made recommendation: How can you save costs while achieving better benefits?
Preparation of implementation: Planning the next steps until a smooth switch.
Support in provider switch & contract conclusion: Ensuring that the new conditions are implemented in the best way possible.
Training & communication to employees: Transparency creates trust and acceptance among your team.
Long-term support & performance monitoring: Follow-up care, monitoring, and regular updates of your solution.
smzh ag represents transparency, specialized know-how, and complete independence. It is our aim to find the best pension fund solution for your business – without pursuing any own interests or hidden sales intentions. Why partner with smzh?
We analyze. We compare. We optimize. So you obtain the best pension solution for your business and your employees.
Make the first step toward a more efficient, cost-effective, and stronger pension fund solution.
We handle questions such as those shown on the right on a daily basis. You don't need to deal with them by yourself – our 360° Check-Up is free of charge and non-binding.
Market conditions, laws, and financial framework conditions evolve constantly. A regular analysis ensures that your company does not incur any unnecessarily high costs.
No, on the contrary. In most cases, an optimization results in better benefits for your employees, while your business saves costs.
Depending on the size of your business, an analysis takes between four and twelve weeks. Then you are ready to make a sound decision on your pension fund solution.
Every company with a pension fund solution can benefit from an analysis, regardless of whether it's an SME or a large corporation. An analysis is particularly interesting for companies whose number of staff is growing, whose corporate strategy is changing, or which is ahead of a generational shift.
