{"id":18107,"date":"2025-12-10T08:40:00","date_gmt":"2025-12-10T07:40:00","guid":{"rendered":"https:\/\/www.swisscanto-flex.ch\/?p=18107"},"modified":"2025-12-10T08:45:00","modified_gmt":"2025-12-10T07:45:00","slug":"improvement-to-swisscanto-flex-collective-foundation-retirement-pensions-as-of-1-january-2026","status":"publish","type":"post","link":"https:\/\/www.swisscanto-flex.ch\/en\/improvement-to-swisscanto-flex-collective-foundation-retirement-pensions-as-of-1-january-2026\/","title":{"rendered":"Improvement to Swisscanto Flex Collective Foundation retirement pensions as of 1 January 2026"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"18107\" class=\"elementor elementor-18107 elementor-18038\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-768a1be elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"768a1be\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1af6651\" data-id=\"1af6651\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-913465f elementor-widget elementor-widget-text-editor\" data-id=\"913465f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>One reason people often give for not drawing a pension is the fear that in the event of early death after retirement, the saved capital will be forfeited and the surviving dependants will no longer benefit from it. This is precisely where the new pension protection from the Swisscanto Flex Collective Foundation comes in.<\/p>\n<p><strong>How the pension protection works<\/strong><\/p>\n<p>The new pension protection offers additional assurance for surviving dependants. Until now, spouses received 60%<sup>1<\/sup> of the monthly pension in the event of the death of a pension recipient. With pension protection, the fund will additionally make a one-off payment of 40% of the outstanding pension. The benefit will be paid to the beneficiaries in accordance with the regulations. The monthly pension payment of 60% will continue as usual. For unmarried people, their surviving dependants receive the unused portion of the pension as a one-off lump-sum benefit in accordance with the beneficiary arrangement set out in the regulations.<\/p>\n<p>These changes are designed to make it easier for future pensioners to choose the optimal pension solution.<\/p>\n<p><strong>Same conversion rate for women and men<\/strong><\/p>\n<p>At the same time, the conversion rate for men at the ordinary retirement age of 65 is increasing from 5.1% to 5.25%. Women already enjoy a conversion rate of 5.25% at this age. This means that starting from 1\u00a0January\u00a02026, the same rates will apply to men and women of the same age. This leads to slightly higher new retirement pensions for men and ensures more equal treatment.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9f5f4b elementor-widget elementor-widget-text-editor\" data-id=\"c9f5f4b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Pension protection example: married person<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c221c55 elementor-widget elementor-widget-video\" data-id=\"c221c55\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;hosted&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;play_on_mobile&quot;:&quot;yes&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-hosted-video elementor-wrapper elementor-open-inline\">\n\t\t\t\t\t<video class=\"elementor-video\" src=\"https:\/\/www.swisscanto-flex.ch\/wp-content\/uploads\/2026\/12\/Swisscanto_Rentenschutz_EN.mp4\" autoplay=\"\" loop=\"\" controls=\"\" muted=\"muted\" playsinline=\"\" controlsList=\"nodownload\"><\/video>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ed0744 elementor-widget elementor-widget-text-editor\" data-id=\"6ed0744\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A married man retires at 65. His retirement capital at the time of retirement is CHF\u00a0500,000. His annual retirement pension amounts to CHF\u00a026,250 (500,000 x conversion rate of 5.25% = 26,250). He dies at the age of 68. Under the new rules, his wife receives 60% of the annual retirement pension (CHF\u00a015,750) for the rest of her life. She also receives a one-off payment of the remaining 40% for the remaining seven years of the pension protection period (40% of 7 x 26,250 = CHF\u00a073,500).<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb6a9b6 elementor-widget elementor-widget-text-editor\" data-id=\"fb6a9b6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Pension protection example: unmarried person<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71090d1 ha-has-bg-overlay elementor-widget elementor-widget-video\" data-id=\"71090d1\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;hosted&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;play_on_mobile&quot;:&quot;yes&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;loop&quot;:&quot;yes&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-hosted-video elementor-wrapper elementor-open-inline\">\n\t\t\t\t\t<video class=\"elementor-video\" src=\"https:\/\/www.swisscanto-flex.ch\/wp-content\/uploads\/2026\/12\/Swisscanto_Rentenschutz_ledig_EN.mp4\" autoplay=\"\" loop=\"\" controls=\"\" muted=\"muted\" playsinline=\"\" controlsList=\"nodownload\"><\/video>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-125df3b elementor-widget elementor-widget-text-editor\" data-id=\"125df3b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>An unmarried woman retires at 65. Her retirement capital is CHF\u00a0500,000 and her annual retirement pension is CHF\u00a026,250. She dies at 72. The unused portion of the pension for the outstanding three years is paid to the surviving dependants as a one-off lump sum in accordance with the beneficiary arrangement set out in the regulations. In this case, it\u2019s CHF\u00a078,750 (3 x 26,250).<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dedaa1 elementor-widget elementor-widget-text-editor\" data-id=\"9dedaa1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>A simple, secure pension solution<\/strong><\/p>\n<p>The changes are designed to be simple. Pension protection is automatically included with every old-age pension and beneficiaries don\u2019t have to make additional choices or accept a lower pension. And it\u2019s all financed by the foundation, with no extra cost to the insured persons. At the same time, they still get to choose between pension, lump-sum withdrawal or a combination of the two.<\/p>\n<p>The aim of these changes is to provide better protection for people who may not have access to individual financial advice. Drawing a pension becomes more attractive and the choice between pension and lump sum is easier \u2013 which all adds up to a dependable, lifelong retirement scheme.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c274adb elementor-widget elementor-widget-text-editor\" data-id=\"c274adb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Legal notice:<\/strong> The figures shown are purely illustrative and serve as examples. In the event of a claim, benefits are recalculated in accordance with the regulations and in reference to current basic data. This means there is no legal entitlement to the pension benefits set out above.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c82603e elementor-widget elementor-widget-text-editor\" data-id=\"c82603e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><sup>1 <\/sup>A surviving spouse of an old-age pension recipient whose spouse\u2019s pension amounts to a different percentage of the old-age pension will continue to receive their spouse\u2019s pension and will be given a one-off payment equal to the difference in the outstanding pensions.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0d3843 elementor-widget elementor-widget-heading\" data-id=\"f0d3843\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions and answers (Q &amp; A)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2210b09 elementor-widget elementor-widget-ucaddon_uc_icon_accordion\" data-id=\"2210b09\" data-element_type=\"widget\" data-widget_type=\"ucaddon_uc_icon_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<!-- start Icon Accordion -->\n\t\t<link id='font-awesome-css' href='https:\/\/www.swisscanto-flex.ch\/wp-content\/plugins\/unlimited-elements-for-elementor-premium\/assets_libraries\/font-awesome6\/fontawesome-all.min.css' type='text\/css' rel='stylesheet' >\n\t\t<link id='font-awesome-4-shim-css' href='https:\/\/www.swisscanto-flex.ch\/wp-content\/plugins\/unlimited-elements-for-elementor-premium\/assets_libraries\/font-awesome6\/fontawesome-v4-shims.min.css' type='text\/css' rel='stylesheet' >\n\n<style>\/* widget: Icon Accordion *\/\n\n#uc_uc_icon_accordion_elementor_2210b09 *{\n\tbox-sizing: border-box;\n}\n#uc_uc_icon_accordion_elementor_2210b09 .uc_container .uc-heading\n{\n\tcursor:pointer;\n    display:flex;\n    align-items:center;\n    transition:0.3s;\n}\n#uc_uc_icon_accordion_elementor_2210b09 .uc_container .uc-heading span.bbb\n{\n\tdisplay:block;\n\t\n}\n#uc_uc_icon_accordion_elementor_2210b09 .uc_ac_box.uc-item-active span.uc_dactive\n{\n\tdisplay:none;\n}\n#uc_uc_icon_accordion_elementor_2210b09 .uc_ac_box:not(.uc-item-active) span.uc_active\n{\n\tdisplay:none;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .ue_icon_holder,\n#uc_uc_icon_accordion_elementor_2210b09 .ue_icon_spacing\n{\n  flex-grow:0;\n  flex-shrink:0; \n}\n#uc_uc_icon_accordion_elementor_2210b09 .uc_content{\n\tdisplay: none;\n}\n#uc_uc_icon_accordion_elementor_2210b09 .ue_icon\n{\n  display:flex;\n  justify-content:center;\n  align-items:center;\n  line-height:1em;\n  transition:0.3s;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .ue_icon svg\n{\n  height:1em;\n  width:1em;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .ue_expand_inside\n{\n  display:flex;\n  justify-content:center;\n  align-items:center;\n  line-height:1em;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .ue_expand_inside svg\n{\n  height:1em;\n  width:1em;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .ue_expand,\n#uc_uc_icon_accordion_elementor_2210b09 .ue_expand_spacing\n{\n  flex-grow:0;\n  flex-shrink:0;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .ue_title\n{\n  flex-grow:1;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .uc_ac_box:last-child\n{\n  margin-bottom:0px;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09 .uc_ac_box\n{\n  overflow:hidden;\n}\n#uc_uc_icon_accordion_elementor_2210b09_item1 .ue_icon\n{\n  background-color:;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09_item1 .ue-heading\n{\n  background-color:;\n}\n#uc_uc_icon_accordion_elementor_2210b09_item2 .ue_icon\n{\n  background-color:;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09_item2 .ue-heading\n{\n  background-color:;\n}\n#uc_uc_icon_accordion_elementor_2210b09_item3 .ue_icon\n{\n  background-color:;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09_item3 .ue-heading\n{\n  background-color:;\n}\n#uc_uc_icon_accordion_elementor_2210b09_item4 .ue_icon\n{\n  background-color:;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09_item4 .ue-heading\n{\n  background-color:;\n}\n#uc_uc_icon_accordion_elementor_2210b09_item5 .ue_icon\n{\n  background-color:;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09_item5 .ue-heading\n{\n  background-color:;\n}\n#uc_uc_icon_accordion_elementor_2210b09_item6 .ue_icon\n{\n  background-color:;\n}\n\n#uc_uc_icon_accordion_elementor_2210b09_item6 .ue-heading\n{\n  background-color:;\n}\n\n\n<\/style>\n\n<div class=\"uc_material_accordion \" id=\"uc_uc_icon_accordion_elementor_2210b09\" data-name=\"\" data-closeothers=\"true\" >\n    \t<div class=\"uc_container\">\n            \n\n<div class=\"uc_ac_box \">\n  <div class=\"uc-heading uc_trigger\">\n    \n        \n    <div class=\"ue_title\">Does the pension protection apply to people who have already retired?<\/div>\n    \n    \n        <div class=\"ue_expand_spacing\"><\/div>\n    <div class=\"ue_expand\">\n      <div class=\"ue_expand_inside\">\n      <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='icon icon-sc-arrow1-down'><\/i><\/span>\n      <span class=\"uc_active bbb ue_accordion_icon\"><i class='icon icon-sc-arrow1-up'><\/i><\/span>\n      <\/div>\n    <\/div>\n        \n  <\/div>\n  <!-- end of heading -->\n  \n  \n  <div class=\"uc_content\" >\n          <p>Yes, the pension protection applies to existing retirement pensions, provided that less than ten years have elapsed since the pension began and the retiree is under the age of 75. Early retirees are also covered for ten years from the start of their individual pension.<\/p>\n\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div class=\"uc_ac_box \">\n  <div class=\"uc-heading uc_trigger\">\n    \n        \n    <div class=\"ue_title\">Do I have to opt in to pension protection?<\/div>\n    \n    \n        <div class=\"ue_expand_spacing\"><\/div>\n    <div class=\"ue_expand\">\n      <div class=\"ue_expand_inside\">\n      <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='icon icon-sc-arrow1-down'><\/i><\/span>\n      <span class=\"uc_active bbb ue_accordion_icon\"><i class='icon icon-sc-arrow1-up'><\/i><\/span>\n      <\/div>\n    <\/div>\n        \n  <\/div>\n  <!-- end of heading -->\n  \n  \n  <div class=\"uc_content\" >\n          <p>No, pension protection is automatically included starting from 1\u00a0January\u00a02026, with no reduction in your pension.<\/p>\n\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div class=\"uc_ac_box \">\n  <div class=\"uc-heading uc_trigger\">\n    \n        \n    <div class=\"ue_title\">Does the new conversion rate of 5.25% apply to everyone?<\/div>\n    \n    \n        <div class=\"ue_expand_spacing\"><\/div>\n    <div class=\"ue_expand\">\n      <div class=\"ue_expand_inside\">\n      <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='icon icon-sc-arrow1-down'><\/i><\/span>\n      <span class=\"uc_active bbb ue_accordion_icon\"><i class='icon icon-sc-arrow1-up'><\/i><\/span>\n      <\/div>\n    <\/div>\n        \n  <\/div>\n  <!-- end of heading -->\n  \n  \n  <div class=\"uc_content\" >\n          <p>Starting from 1 January 2026, the increased conversion rate applies to men who retire at the ordinary age of 65. Nothing changes for women, as they are already on this rate. The new conversion rate has no effect on existing pensions.<\/p>\n\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div class=\"uc_ac_box \">\n  <div class=\"uc-heading uc_trigger\">\n    \n        \n    <div class=\"ue_title\">What happens if I withdraw my retirement savings as a lump sum?<\/div>\n    \n    \n        <div class=\"ue_expand_spacing\"><\/div>\n    <div class=\"ue_expand\">\n      <div class=\"ue_expand_inside\">\n      <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='icon icon-sc-arrow1-down'><\/i><\/span>\n      <span class=\"uc_active bbb ue_accordion_icon\"><i class='icon icon-sc-arrow1-up'><\/i><\/span>\n      <\/div>\n    <\/div>\n        \n  <\/div>\n  <!-- end of heading -->\n  \n  \n  <div class=\"uc_content\" >\n          <p>Pension protection only applies to the pension portion. If you draw your entire savings as a lump sum, you are not entitled to pension protection benefits.<\/p>\n\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div class=\"uc_ac_box \">\n  <div class=\"uc-heading uc_trigger\">\n    \n        \n    <div class=\"ue_title\">Do the changes affect other pensions?<\/div>\n    \n    \n        <div class=\"ue_expand_spacing\"><\/div>\n    <div class=\"ue_expand\">\n      <div class=\"ue_expand_inside\">\n      <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='icon icon-sc-arrow1-down'><\/i><\/span>\n      <span class=\"uc_active bbb ue_accordion_icon\"><i class='icon icon-sc-arrow1-up'><\/i><\/span>\n      <\/div>\n    <\/div>\n        \n  <\/div>\n  <!-- end of heading -->\n  \n  \n  <div class=\"uc_content\" >\n          <p>No, the changes only affect old-age pensions. Other pensions remain unchanged.<\/p>\n\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n\n<div class=\"uc_ac_box \">\n  <div class=\"uc-heading uc_trigger\">\n    \n        \n    <div class=\"ue_title\">Why is the Swisscanto Flex Collective Foundation making these changes?<\/div>\n    \n    \n        <div class=\"ue_expand_spacing\"><\/div>\n    <div class=\"ue_expand\">\n      <div class=\"ue_expand_inside\">\n      <span class=\"uc_dactive bbb ue_accordion_icon\" ><i class='icon icon-sc-arrow1-down'><\/i><\/span>\n      <span class=\"uc_active bbb ue_accordion_icon\"><i class='icon icon-sc-arrow1-up'><\/i><\/span>\n      <\/div>\n    <\/div>\n        \n  <\/div>\n  <!-- end of heading -->\n  \n  \n  <div class=\"uc_content\" >\n          <p>We want to provide better protection in the event of early death after retirement, ensure equal treatment of men and women, and make drawing a pension a more attractive option than drawing a lump sum.<\/p>\n\n     \n    \n     \n    \n  <\/div>\n<\/div>\n\n        <\/div>\n<\/div>\n<!-- end Icon Accordion -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01ca7d1 elementor-widget elementor-widget-button\" data-id=\"01ca7d1\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.swisscanto-flex.ch\/wp-content\/uploads\/2025\/12\/Rentenschutz-FAQ_EN.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-sc-arrow3-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Full FAQ<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87017ce elementor-widget elementor-widget-button\" data-id=\"87017ce\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.swisscanto-flex.ch\/wp-content\/uploads\/2025\/12\/Rentenschutz-Infoblatt_EN.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-sc-arrow3-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Information sheet<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8aff5fc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8aff5fc\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3a311c9\" data-id=\"3a311c9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0d97431 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0d97431\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0391b59\" data-id=\"0391b59\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8981fda\" data-id=\"8981fda\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The Swisscanto Flex Collective Foundation is offering improved pension benefits effective 1 January 2026. The key changes are pension protection for ten years up to the age of 75 and a higher conversion rate for men. This represents a simple, modern and secure pension solution. <\/p>\n","protected":false},"author":2,"featured_media":18040,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-18107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.1.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Improvement to Swisscanto Flex Collective Foundation retirement pensions as of 1 January 2026 - Swisscanto Flex<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.swisscanto-flex.ch\/en\/improvement-to-swisscanto-flex-collective-foundation-retirement-pensions-as-of-1-january-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Improvement to Swisscanto Flex Collective Foundation retirement pensions as of 1 January 2026 - Swisscanto Flex\" \/>\n<meta property=\"og:description\" content=\"The Swisscanto Flex Collective Foundation is offering improved pension benefits effective 1 January 2026. The key changes are pension protection for ten years up to the age of 75 and a higher conversion rate for men. 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