At Asset Street, we’re excited to announce our strategic partnership with a leading pension consulting firm. Our mission is to provide tailored pension solutions specifically designed for the wealth management industry. As part of this collaboration, Asset Street brings its extensive investment and wealth planning expertise to the table.

Why Choose 1e Plan “Bel Etage”?

1. Customized Solutions: We understand that every client’s needs are unique. Our complementary plan allows policyholders in the extra-mandatory occupational pension plan to actively participate in shaping their pension investment program in Switzerland. This flexibility empowers you to make informed decisions aligned with your financial goals.
2. Tax Advantages: By strategically leveraging Pension “purchase years,” you can benefit from tax advantages while fully participating in the performance of your chosen investment program.
3. Individualized Approach: Our modern pension fund solution ensures that your pension plan savings are invested according to your personal investment horizon and risk capacity. You’re in control, optimizing returns sustainably.
4. Attractive Features:
   • Priority given to savings over insurance
   • 100% attribution of Pension placement program performance
   • Dedicated Advisor to monitor your relationship
   • Capital payment options at regulatory retirement age or for home acquisition

Did you know that many people forget about their vested benefits? This is especially common when foreign workers permanently leave Switzerland. Here’s what you need to know:

• What Are Vested Benefits?: When someone insured under an occupational benefit plan (2nd pillar) leaves their pension fund before an insured event occurs (e.g., changing employers or unemployment), they receive a statement showing the amount owed. This is their vested benefit or departure benefit.
• Purpose: Vested benefits are earmarked for retirement funding. They’re not freely available for other purposes. If immediate transfer to a new employer’s pension fund isn’t possible, they’re deposited with a bank or vested-benefits institution.

Asset Street Can Assist You

We specialize in recovering and investing Vested Benefits. Our services include:

• Account Solution: Enjoy attractive interest rates.
• Investment Flexibility: Choose your investment solution.
• Diverse Fund Options: Select from 50 OPP2-compliant investment funds.
• Individualized Management: We monitor OPP2 compliance with a Multi Fund allocation or ETFs.
• Securities Transfer: Easily move securities into the plan.

Whether you’re self-employed, an emigrant, or seeking work, Asset Street is here to help you maximize your pension assets.

Need to know more about Tax Advantages?

1. Tax Deductibility of 1e Plan“Purchase Years”:
   • When you contribute to your pension plan, you accumulate “purchase years.” These represent the number of years you’ve been part of the pension system.
   • The tax deduction for 1e Plan purchase years is based on your marginal tax rate. Essentially, the higher your income, the more significant the tax benefit.
   • By strategically using these purchase years, you can reduce your taxable income, which ultimately means paying less in taxes.
2. Fully Participating in Investment Program Returns:
   • Unlike traditional insurance-based pension plans, the 1e Plan “Bel Etage” prioritizes savings over insurance.
   • You have 100% attribution of the performance of the placement program. This means that any gains or losses directly impact your pension savings.
   • By actively participating in investment decisions, you can potentially achieve better returns than with a fixed insurance-based approach.
3. Flexibility and Control:
   • Asset Street’s solution allows you to choose your investment strategy based on your personal preferences and risk tolerance.
   • Whether you’re risk-averse or seeking higher returns, you have the flexibility to tailor your investment approach.
   • This individualized control ensures that your pension assets align with your financial goals.
4. Early Retirement Financing:
   • The 1e Plan “Bel Etage” caters to managerial staff, senior executives, and self-employed individuals.
   • If you’re planning for early retirement, this plan provides an attractive option.
   • By optimizing your pension savings and taking advantage of tax benefits, you can work towards retiring earlier than the standard retirement age.