Our services at a glance:

• The SECUNDA Collective Foundation manages occupational pension provision for its clients in accordance with BVG regulations; it is entered in the register for occupational pension provision.
• The SECUNDA Collective Foundation not only offers a personal service, but also demonstrably progressive, social and fair pension solutions for small to medium-sized and large companies.
• Thanks to our efficiency, we are able to keep our administrative costs very low at 0.4% of the insured salary
• We pay a partner's pension instead of a spouse's pension, for married couples and life partners.
Contributions are invoiced to customers on a quarterly basis and in arrears.Contributions to the Guarantee Fund are financed via investment income; this is highly appreciated by the accounting departments of our affiliated companies.The conversion rate on the extra-mandatory savings capital corresponds to the BVG conversion rate; we do not charge an additional premium for this.The interest rate for interest on the savings capital also corresponds to the interest rate set by the Federal Council for the non-mandatory portion.Individual regulatory risk benefits (e.g. in the event of death or disability) are provided by the SECUNDA Collective Foundation in cooperation with external providers.The security of the investment capital and benefits is guaranteed by several control mechanisms: by internal controls as well as by the external control body BDO Visura AG, by a federally certified pension fund expert and by the supervisory authority of the Canton of Aargau.
• BVG
• Foundation
• Pension fund advice

Our investment policy:

• The pension assets are invested by experienced asset managers at DIVOR AG. The returns are credited in full to the SECUNDA Collective Foundation.
Long-term orientation
• Broad diversification
• High-quality real estate investments
• Equity investments according to strict qualitative criteria

Occupational pension provision - the principlesThe aim of occupational pension provision is to enable a reasonable standard of living to be maintained after retirement or in the event of disability. In the event of death, the same applies to survivors. As the 2nd pillar, occupational pension provision is an important supplement to the 1st pillar, the AHV/IV. The Occupational Pensions Act (BVG) regulates a minimum standard, based on which the pensions from the 1st and 2nd pillars together should cover 60% of income. The 3rd pillar can be used to supplement individual pension provision. However, the tax-privileged contribution is limited. We see occupational pensions as an important piece of the mosaic in the interplay between the 1st and 3rd pillars.

We look forward to hearing from you.