Focus on SMEs: The optimal pension solution with Tellco

Individual strategies for individual needs

In Switzerland, a country of SMEs, we find an impressive variety of companies of different sizes and from different sectors. They all have different goals and challenges and, as responsible employers, are looking for a pension solution that meets their needs. Tellco focuses on SMEs - tailor-made solutions are possible regardless of size and sector.

"Our strength is our many years of experience with SMEs from a wide range of sectors. This enables us to offer them the best possible solution," says Alain Grand, Head of Pension Provision at Tellco Bank Ltd.

The Tellco pk Collective Foundation not only focuses on individual pension solutions, but also offers its clients the greatest possible flexibility. Tellco pk offers companies a choice of three customized pension solutions: PRO, PULSE and INDIVIDUA. These differ in terms of their investment strategies - from security-oriented to return-oriented - and offer the option of defining individual components of the pension fund solution yourself.

• PRO focuses on stability. Thanks to the dynamic risk management approach and the equity component of 28 %, PRO is the ideal solution for security-oriented clients.
• PULSE is aimed at return-oriented customers. With an equity component of 45 %, policyholders benefit from the long-term growth of the equity markets.
• At INDIVIDUA, the focus is on a customized approach. From the choice of investment strategy to the custodian bank - you decide. This solution is particularly suitable for larger SMEs with investment capital of around CHF 20 million or more.

Flexibility and adaptability

Tellco pk knows that the needs of companies can change over time. It therefore offers maximum flexibility: companies can adjust their pension solutions annually free of charge. In addition, the savings premiums are not due until the end of the year, which provides greater planning security.

Efficient administration thanks to digitalization

With digital tools such as the iTellco web application, companies and brokers can minimize administrative work. iTellco makes it possible to edit all standard and individual solutions, download documents and view account movements at any time. The ePlix web app also offers insured persons secure access to their pension data at any time, such as their personal pension certificate, vested benefits account and 3a account.

Personal advice for customized solutions

At Tellco, the focus is on personal contact. Individual consultations allow specific requirements to be discussed and suitable solutions to be found quickly. "We take the time to understand what a company really needs. This enables us to find the optimal pension solution," says Alain Grand. This enables companies to offer their employees an attractive pension plan.

Sustainable investment strategies for long-term returns

In line with the Energy Strategy 2050, Tellco pk consistently refrains from investing in coal mining and processing. Instead, Tellco pk specifically promotes renewable energies, energy efficiency and the expansion of rail transport. The real estate investments are also planned and managed according to clearly defined sustainability standards. Tellco pk has held the "Good Practice" rating from the Swiss Climate Alliance since 2024.

"Sustainable investments form the foundation of our pension philosophy. We are consistently implementing our decarbonization strategy and thus creating added value for current and future generations," says Alain Grand. With the Sustainability Report 2025 in accordance with ASIP principles, Tellco pk provides an insight into its sustainable approach to occupational pensions.

Non-binding advice

Benefit from a free consultation and find the optimum pension solution for your company.

The Tellco pk is one of the leading pension funds on the Swiss market. It is growing continuously and currently has 10,074 affiliated companies and 95,527 insured persons. It manages total assets of around CHF 4.81 billion as at the end of 2024. The young age structure of the pension fund is striking: the average age of the insured women is 41.0 years and that of the insured men is 40.4 years. The ratio of active members to pensioners at Tellco pk is correspondingly favorable: there is one pensioner for every 18 active members (all figures as at the end of 2024).