Liberty 1e Flex Invest Foundation

Transcription

1 Liberty 1e Flex Invest Foundation

2 Summary 1. Organisation of the Liberty 1e Flex Invest Foundation 3 2. Liberty 1e Flex Invest Foundation (Bel-Etage) 4 3. Overview of services 7 4. Investment options 8 5. Organisation without asset manager Organisation with asset manager Our advantages at a glance Contact 14 2

3 How is Liberty 1e Flex Invest Foundation organised Liberty is an independent foundation, established under Article 80 et seq. of the Swiss Civil Code, with its registered office in Schwyz The Foundation provides extra-mandatory (pre-, sub-, and super-mandatory) occupational benefits various ZBSA, Lucerne, the Regulatory Authority for pension institutions in central Switzerland Stephan Hegner various Barbara Bienek PKRück, Zurich c-alm AG, St. Gallen Liberty Pension Ltd, Schwyz Balmer-Etienne AG, Lucerne 3

4 Liberty 1e Flex Invest Foundation (Bel-Etage) Liberty 1e Flex Invest Foundation provides extra-mandatory occupational benefits for managerial staff, management and senior executives of SMEs and for self-employed persons with at least one employee. coverage from CHF 126,900 in co-ordination with existing main pension plans 5 to 10 for each pension fund down to pension-holder level Management of reserves at pension-holder level Attractive for (e.g. purchase of additional insurance years) Early 4

5 Liberty 1e Flex Invest Foundation (Bel-Etage) CHF Flexible and customised managerial pension plans CHF (= 1,5 x BVG Max.) CHF Main pension plan with existing occupational benefits institution Risk premiums in accordance with market practice Individual securities solutions Quick offers Expert financial and pension benefits know-how EN/DE/FR/IT spoken CHF (existing) (additional)

6 Liberty 1e Flex Invest Foundation (Bel-Etage) (2012 rates) Martin Trustee, age 49, married, 2 children, Zurich, AHV/AVS salary CHF 250,000 Main pension plan: Savings pensionable salary CHF 100,920 1e Flex pension plan: Savings pensionable salary CHF 124,720 Purchase allowance: 1e Flex pension plan CHF 861,000 Tax situation Taxable income Income tax Main plan only CHF 178,694 CHF 35,720 Main plan + 1e Flex plan + purchase CHF 50,000 CHF 111,915 CHF 15,479 The gross cost of optimizing pension coverage and the purchase is CHF 66,779. That produces tax savings of CHF 20,241. The net cost is therefore CHF 46,538 6

7 Overview of services Membership and pension plan as well as securities administration Individual asset management for each member Individual administration of securities deposits and monitoring of BVV2/OPP2 compliance by Liberty Transaction and custodian bank services from our Swiss partner banks Liberty fees Handling fee (one-off charges) CHF 100 per member/max. CHF 5,000 Administration fee: per member per year CHF 100 per member Asset management, bank and investment fund fees and charges, if any, are additional. Any asset management retrocessions will be credited to the client. 7

8 Liberty 1e Flex Invest Foundation investment options Cash Invest The fixed-rate term deposit solution Term deposits are investments involving a fixed amount, short-term maturities and money market interest rates Certificates of deposit are investments with a fixed amount, a fixed term ranging from 2 to 8 years and money market interest rates Privileged treatment in case of bank insolvency from CHF 100,000 Liberty fees Opening of securities deposit account, crediting securities CHF 0 Orders CHF 0 Foundation fee 0.25% p.a. 8

9 Liberty 1e Flex Invest Foundation investment options BVG Fund Invest The standard fund solution Over 50 BVG-compliant investment funds at attractive terms and conditions Selection of funds on our popular comparison platform compare-invest.ch Investment account with market interest rates from CHF 1 Liberty fees Opening of securities deposit account, crediting securities CHF 0 Orders CHF 0* Foundation fee 0.40% p.a. (with asset management/consulting max 1% p.a.) * No custodian fees 9 * Plus any third-party charges and fees

10 Liberty 1e Flex Invest Foundation investment options Mandate Invest The individual direct investment solution/funds Active portfolio management by FINMA licensed asset managers Simplified co-ordination with private assets Custodian bank services provided by partner banks at attractive terms and conditions From CHF 750,000 Liberty fees Opening of securities deposit account, crediting securities CHF 0 Orders CHF 0* Foundation fee 0.45% p.a. (with asset management/consulting max 1.45% p.a.) * 10 * Plus any third-party charges and fees

11 Organisation without asset manager Client Consulting, financial planning and support Consultant Affiliation Risk profile and authority Choice of strategy Account and deposit statements Liberty Pension Client support Copies of correspondence Strategy advisory Monitoring BVV2/OPP2 Execution stock orders Processing settlements Custodian bank 11

12 Organisation with asset manager Client Consulting, financial planning and support Consultant Affiliation Risk profile and authority Choice of strategy Account and deposit statements Client mirror accounts Monitoring BVV2/OPP2 Execution stock orders for collective accounts Liberty Pension Custodian bank Consulting support Copies of correspondence Controlling of investement strategies Managing investment strategy Monitoring BVV2/OPP2 Execution stock orders for sub-accounts Finma Asset manager 12

13 Our advantages at a glance Free Total thanks to our independence Internal guarantees data ownership, high quality and the highest degree of customisation Tailor-made Various Flexible occupational Strong Lowest membership (corporate logo, designation and specific contact officer) (also available as white label) including presentations, fact sheets and webtools for progressive employers for pay-outs to foreign residents 13

14 Contact Milchstrasse 14 PO Box 733 CH-6431 Schwyz Phone Fax Route de Genève 7, CH-1291 Commugny Tél Igelweid 22, CH-5000 Aarau Tel Flugplatzstrasse 5, CH-8404 Winterthur Tel Heidenerstrasse 1a, CH-9450 Altstätten Tel Milchstrasse 14, CH-6431 Schwyz Tel