Pensioners' pension fund


The collective foundation manages a separate pension fund for the active insured employees of an affiliated employer. Pensioners are managed in a separate pension fund. Employees transfer to the pensioners' pension fund upon retirement.

Individually managed pensioners' pension fund

  • Own funding ratio and solidarity between the pension funds
  • Invests in the Flex20 investment strategy
  • New pensioner portfolios that have to be absorbed are valued using different technical rates based on the individual ratio of active insured to pensioners.
  • Pensioner portfolios without active insured are not taken over.
  • Affiliation without financing the required pension capital for the pensioners is not possible.
  • All pensioners taken over as well as those who become pensioners during the contract term are passed on at the end of the contract.
  • The board of trustees decides on the financing of the required provisions.

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