A new chapter begins: your PensFlex pension solution
Welcome to your PensFlex pension solution!
With your PensFlex supplementary pension plan (so-called 1e solution), you not only benefit from enhanced benefits, but also gain the opportunity to actively shape your own pension provision.
In particular, you can choose the investment strategy for your pension assets yourself and adjust it at any time if your risk capacity or investment horizon changes. There is no redistribution of your assets to other insured persons under this pension solution – you benefit individually from the resulting performance of the securities.
Important onboarding steps for you:
When does your coverage begin?
To ensure risk coverage in the event of disability or death, we ask you to complete our health questionnaire digitally and submit it directly via myPensPortal with your consent. In certain cases, you may then be asked to undergo a medical risk assessment, depending on the level of insured risk benefits. Once we have received the questionnaire and until the risk assessment is completed, you are provisionally covered for the insured benefits. Coverage becomes definitive as soon as you receive the confirmation of acceptance.
Investment strategy
Once your employer has confirmed your enrolment in the PensFlex collective foundation and completed the risk questionnaire, you can define your personal investment strategy in the MyPensPortal (online portal).
When changing jobs or transferring vested benefits to a new pension arrangement, professional advice is highly recommended. Transferring existing pension assets to the new pension plan in a well-considered way offers numerous advantages.
By law, your withdrawal benefit must be transferred when you move to a new pension institution.
If your previous pension fund is not a 1e pension institution, transfers into PensFlex will be restricted from 2026. We recommend that you contact your PensExpert advisor to ensure an optimal transfer tailored to your situation.
Download payment slip here:
Payment details of the PensFlex collective foundationWhat is a voluntary contribution?
Voluntary contributions are additional payments into your pension fund that enhance your personal retirement provision. With PensFlex, you have the opportunity to make the most of your voluntary contributions. You decide how your money is invested in PensFlex.
Voluntary contributions are tax-deductible from your taxable income (similar to contributions to Pillar 3a) and therefore offer an attractive tax benefit.
How and when can I make voluntary contributions?
If you have a contribution gap, voluntary contributions can be made at any time.
You can easily find your current contribution gap and the payment details using the login credentials provided for myPensPortal, our pension cockpit. You can also contact us by phone or email for this information.
The payment must arrive in the PensFlex collective foundation account by December 31 at the latest for the voluntary contribution to be considered in the current tax year. We therefore recommend making contributions before Christmas. It is also important that the payment is made from your personal account.
For more useful tips, see the following video:
https://pens-expert.ch/en/purchasesUse the login credentials provided for myPensPortal, our pension cockpit. This gives you a comprehensive digital overview of your insurance data and pension arrangements.
For more information about myPensPortal and registration, click here.
All regulations can be accessed via the link below. These documents, available here in electronic form or on request from the foundation at any time, are an integral part of your PensFlex pension solution.
Access the documents here.
Do you have questions?
Once you have registered on myPensPortal, you can view the contact details of your personal PensExpert advisor, who will be happy to assist you.
For more information about the PensFlex collective foundation, visit us at www.pens-expert.ch or contact us directly at +41 41 226 15 15.