The 1e benefit begins above the legally defined salary threshold of more than 136,080 Swiss francs. This salary portion in particular, traditionally unused in most cases, offers flexibility. With up to ten investment strategies to choose from, each person can choose the one that best suits their individual investment strategy and risk capacity and thus benefit directly from market opportunities. By doing so, an individual can significantly improve their pension result over the years, but also bear the investment risks themselves.
This pension option is particularly suitable for executives or specialists and managers. You can take out a 1e solution with PensExpert via the PensFlex Collective Foundation.
*The designation refers to Article 1e of the Ordinance on Occupational Retirement, Survivors’ and Disability Pension Plans.
I earn well, so I don’t have to worry about it.
MISCONCEPTION
The steps you should definitely plan once you reach 50+:
- Annual review of your insurance certificate.
- Make contributions to your pillar 3a. Missed contributions can be purchased retrospectively for the first time as of 2026.
- Check out buy-ins into 2nd pillar
- Draw up withdrawal plan for the various pension assets.
- Adapt the investment strategy to the withdrawal time.
