CSS Pension Plan
The CSS Pension Plan lets you save long term while also providing cover for death and loss of earning capacity. Your assets will grow – keeping you and your family secure if anything happens.
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The advantages for you
- Save regularly, according to your needs.
- Your money is invested in funds aligned with your goals and risk tolerance.
- The choice is yours: cover for death or for loss of earning capacity.
- Guaranteed death benefit: Your loved ones will receive the agreed amount if you die.
How the CSS Pension Plan works
You decide how much you want to pay in, how long you want to save for and how much risk you're prepared to take in investing. CSS invests your money in a suitable fund portfolio, which it monitors constantly. At the end of the term, you get the fund assets you’ve accumulated.
You can also take out cover for the risks of death or loss of earning capacity. If you die, CSS will pay the agreed amount to your loved ones. If you suffer a loss of earning capacity, the CSS Pension Plan provides protection in the form of a pension and by taking care of your premiums.
Why the CSS Pension Plan makes sense
People who plan on saving «sometime» usually don’t start. People who simply have a savings account miss out on opportunities.
The CSS Pension Plan helps you to save regularly. Your money works for you – and ensures your family is protected if anything happens.
What does the insurance cost?
You pay regular premiums. Part goes towards saving, the other part towards risk cover. Your age, how much you pay in, your chosen cover and the term of insurance determine how high they are.
Tip: The sooner you start, the more affordable the cover – and the more time your money has to grow.
What you need to know about the Pension Plan
The CSS Pension Plan is a smart combination of saving and cover.
Accumulate assets
Your money is invested in a fund portfolio that matches your needs – and carries more or less risk. You don’t have to take care of anything: CSS puts the fund portfolio together and monitors it constantly. The value of the fund assets depends on the performance of the funds and is not guaranteed.
Protection for when the worst happens
You protect yourself and your family against the financial consequences of death or loss of earning capacity. Depending on the agreement, you’ll either get a pension or CSS will pay your premiums for you.
Tax advantages
The CSS Pension Plan is available under pillars 3a, pillar 3b will follow soon.
- Pillar 3a: You can deduct the amounts paid in from your income up to the maximum permitted by law. You are not liable for any wealth tax during the term of the plan.
- Pillar 3b: Your premiums may be tax-deductible, but only if the law allows. The payout is usually tax-free.
FAQs
Generally, anyone over 18 years of age who is resident in Switzerland. Age and state of health play a role. The minimum premium is CHF 50 per month.
Your money will be invested in a broadly diversified fund portfolio. Its value may fluctuate and is not guaranteed. Fluctuations often even out over time when saving long term.
Get in touch with us as soon as you can. It’s often possible to take a premium holiday or make adjustments.
Yes. Additional payments, premium holidays and further changes are all possible, depending on the situation. For example, if you get married, have a baby or buy a house.
With a bank, you’re usually confined to saving. The CSS Pension Plan lets you save regularly while also providing insurance cover. That way, you build up wealth – knowing that you and your family are protected.