Hannes is a fictional character in an industrial company and "Hannes manages" is the title of the corresponding series of stories. Including subtle satire from and about the management floors ...
PUBLIREPORTAGE Tellco pk always focuses on the needs of its affiliated companies and provides the best possible solution for the occupational benefits of its insured persons. The experienced Schwyz pension fund scores points for individuality, flexibility and attractive conditions.
Thanks to its client-oriented approach, Tellco pk can offer every company the right pension solution. Tellco pk believes that occupational pension provision cannot be static; it must grow with the company. This is why Tellco pk gives affiliated companies the opportunity to adapt the various offers to their needs every year free of charge.
There are three pension solutions to choose from: PRO, PULSE and INDIVIDUA. They differ in terms of investment strategy, from security-oriented to return-oriented.
PRO focuses on stability: price fluctuations should be low and the pension assets should grow steadily and regularly. The equity component is 28%.
The aim of PULSE is to benefit from the long-term growth of the equity market, which is why the equity component is higher with 45%. The performance therefore moves more in line with the market.
At INDIVIDUA, the pension fund commission of the affiliated companies determines the investment strategy and selects the providers with whom to work.
While PRO and PULSE are suitable for all companies, INDIVIDUA is a solution that is best suited to companies with 50 or more insured employees and an investment capital of at least CHF 20 million.
The fact that Tellco pk thinks from the perspective of the affiliated companies is also evident in the maturity of the savings premiums. The majority of premiums do not have to be paid until the end of the year, which gives companies more time for amortization. Those who pay before the due date benefit from an interest rate of 1.25% on the savings premiums.
Tellco pk clients also benefit from digital tools that support the efficiency of their internal processes. For example, the iTellco web application offers mutation functions, a download function for all documents, access to account transactions and options for making contact quickly. iTellco is also available to brokers to support their clients.
Leading pension fund in Switzerland
Tellco pk is one of the leading pension funds in the Swiss market. It is growing continuously and currently has around 10,000 affiliated companies and 97,000 insured persons. It manages total assets of around CHF 4.58 billion (as at the end of 2023). The young age structure of the pension fund is striking. The average age of the insured women is 40.8 years and that of the insured men is 40.1 years. The ratio of active members to pensioners at Tellco pk is correspondingly favorable: there is one pensioner for every 19 active members (as at the end of 2023).
Tellco Bank Ltd.
Bahnhofstrasse 4
P.O. Box 713
CH-6431 Schwyz
PUBLIREPORTAGE Those who offer an attractive and flexible pension solution can set themselves apart from the competition and score points as a responsible employer.
According to UBS forecasts, there will be a shortage of half a million workers in the Swiss market by 2030. Employers are therefore challenged to attract and retain suitable employees. A modern pension fund solution can help to position the company as an attractive employer.
The Federal Law on Occupational Retirement, Survivors' and Disability Pension Plans (BVG) defines minimum benefits for all employees from the age of 18. Today, however, minimum benefits are hardly enough to maintain the standard of living to which employees are accustomed after retirement - as was originally intended.
As an employer, you have the opportunity to insure your employees better.
As an employer, you can voluntarily waive the coordination deduction or adjust it to the workload. This helps part-time workers to minimize their pension gaps.
Pension check for companies
How up-to-date is your company's pension fund solution? Get an overview in just a few minutes with the online pension check:
flexwork.transparent.ch
If, as an employer, you voluntarily pay more than the legally prescribed half of the contributions to the pension fund, you ensure that your employees have more in their wallets at the end of the month. This is also a good argument in salary discussions. You can claim the higher pension fund contributions as a business expense.
You have the option of increasing the annual savings contributions for your employees or improving the risk benefits. You can also offer savings from the age of 18. The earlier the savings process begins, the higher the retirement pension will be. Or you can offer your employees an optional savings plan - so they can help shape their own pension provision.
It is not only savings contributions that may require action. Death and disability benefits are particularly important for families and homeowners.
There are opportunities for shaping occupational benefits. A good pension fund solution is a communicative goldmine - an opportunity to strengthen the employer brand both internally and externally.
About the Vita Joint Foundation
With over 27,000 affiliated companies and around 150,000 insured persons, the Vita Joint Foundation is one of the most important pension funds in Switzerland. It is committed to providing fair and secure occupational benefits for all generations.
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