But there is a solution in which insured persons sit at the wheel themselves and can choose their investment strategy. It is called a 1e solution, after the corresponding Article 1e of the BVV2 ordinance. Yet it is not open to everyone.
The legislator has set a clear threshold: a 1e solution can only be offered for those salary components that lie above a certain level. This limit is currently CHF 136,080. Only the portion of salary above this threshold can be placed into a 1e solution, in which the insured person chooses between ten defined investment strategies and bears the market's opportunities and risks themselves. The 1e solution is therefore typically aimed at managers as well as specialists and executives. At PensExpert this is precisely a core area, for instance through the PensFlex foundation.
Anyone using such a solution takes on more personal responsibility but also gains freedom of choice. The investment strategy can be aligned with one's personal investment horizon and risk capacity, which can make a noticeable difference over the years.