PensPower
The combined PensFlex and PensUnit solution brings more purchasing potential and pension assets.
Your benefits with PensPower
A combination with plenty of added value: Every business has different needs and wishes. PensPower allows you to combine a wide range of options while retaining a focus on pensions.
Reinforcing retirement provision: The combination strengthens retirement provision. It should be noted that the two foundations are independent to ensure continued diversification.
Higher purchasing potential: The combination of PensFlex and PensUnit offers greater purchasing potential than with a traditional 1e solution and can be implemented individually as required.
Straightforward implementation: Members can invest a portion of their pension pot individually, while the rest is invested in a uniform strategy. Therefore the two portions can be coordinated.
Optimum risk cover: PensPower covers all risks such as disability, death and retirement and risk cover can be amended at any time if necessary.
With the innovative PensPower solution, we have taken our pension scheme to a new level. A real added value for our managers and auviso. The advice was very professional, individual and personal. We are happy to recommend PensExpert at any time.
Martin Elmiger
CEO, auviso – audio visual solutions ag
FAQs on PensPower
For employees and business owners with higher incomes who want to maximise their occupational pension provision, PensPower may be the solution you are looking for. This unique combination of PensFlex and PensUnit brings more purchasing potential and is our innovative response to regulatory restrictions in 1e pensions. Our clients often start with a single pension solution, but depending on their situation, the combined solution may make sense later.
People on higher incomes face a tax burden that rises disproportionately, which is why they often strive to pay the maximum contribution into their pension. This enables them to improve their retirement provision, ensure financial security and utilise existing tax advantages. Responsible companies therefore implement 1e management pension plans for senior staff with incomes above CHF 136'080.– annually (2026 figures). The PensUnit collective foundation offers the ideal combination to ensure that extra-mandatory salary components from CHF 90'720.– upwards (2026 figures) are also covered in the management pension plan.
It is not uncommon for clients to have three pension solutions where their personal pension situation is coordinated between a basic pension, the PensFlex (1e) solution and the PensUnit solution.
Although combining PensFlex and PensUnit does increase complexity, we continually provide personal advice and support to PensPower clients on private purchases and planning how they will draw down the different pension assets on retirement.
The PensPower solution is suitable for companies who want to combine the best of PensFlex and the PensUnit collective foundation.
By combining PensFlex and PensUnit, members not only obtain higher pension assets, but also benefit from diversification, as the pension assets are spread across different pension solutions.
The PensPower solution is always offered in combination with a basic pension.
You are eligible to join a PensUnit collective foundation with an AHV/AVS salary of
CHF 90'720.– or more (2026 figures).You can join the PensFlex collective foundation from an AHV/AVS salary of CHF 136'080.– (2026 figures).
This means that the insured person must have a minimum salary of CHF 136'080.– (as at 2026).
A company sets up a pension plan with both PensFlex and the PensUnit collective foundation.
The membership criteria for both foundations can be customised individually by the affiliated company.
Some employees in a company may therefore only be members of one foundation, and others members of both foundations.
Each affiliated company decides independently what risk benefits to insure with PensFlex and PensUnit.
To comply with the statutory requirements, certain risk benefits must be covered by both foundations.
In PensFlex, the pension fund member can change their chosen investment strategy at any time.
In PensUnit, the affiliated pension fund changes the chosen investment strategy, which is also possible at any time.
If there is a purchase shortfall in either foundation, private purchases can be made into both PensFlex and the PensUnit collective foundation.
It depends on the needs and preference of the scheme member as to which shortfall they want to cover first.
We help our members with private purchases into a PensPower solution.
The PensPower solution offers its affiliated companies access to selected partner banks.
The company chooses the partner bank for both PensFlex and the PensUnit collective foundation.
The easiest option is to select the same partner bank for both foundations.
The timing of implementation can be selected individually. As it usually requires coordination with the basic pension plan, many companies decide to implement it as of 1 January or 1 July. It is also possible that a PensFlex solution may have been in existence for several years and a PensUnit solution is added later (or vice versa).
Here, too, each company is free to design the PensPower solution in the way they wish.
Yes, with the myPensPortal you have full control and access to all your pension assets at all times (24/7). All digital functions are available to you for PensFlex and PensUnit.
Employers, brokers and fiduciary offices can also carry out all administrative work quickly and easily digitally via the PensPortal.
Insured persons with myPensPortal access can also manage their pillar 3a assets directly via SSO login or open a digital 3a account from relevate.
