How important are return and tax optimisation for you?

Enjoy maximum benefit from the performance your investments.


Our solutions

Everything we do is based on an irrevocable premise: Occupational and private retirement assets do not belong to pension funds or vested benefits foundations. You, the client, are the owner of your accumulated pension capital.

This rationale combined with the aim of providing each client with maximum individuality forms the basis underpinning our pension foundations.

PensExpert-Zürich-mit-Blick-Richtung-Brandschenkestrasse

PensFlex

You can tailor your management pension plan to your own requirements. Our foundation represents a paradigm shift in occupational pension provision by moving away from the group mentality towards greater freedom and individual responsibility. At PensFlex, it is up to each insured member to act individually, entrepreneurially and responsibly in determining their personal investment strategy.

  • Flexible planning
  • Attractive risk premiums
  • Individual choice of investment strategy
  • Numerous tax and financial advantages
  • Personal advice from your retirement coach

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PensExpert Lausanne Fassade

PensUnit

PensUnit is a creative response to state over-regulation of 1e pension solutions. PensUnit is for companies and private persons who want more input in selecting their investment strategy. At the same time, your employees benefit from higher purchase gaps.

  • Flexible planning
  • Attractive risk premiums
  • Customised investment solutions
  • Tax advantages through high purchase gaps
  • Personal advice from your retirement coach

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PensExpert-Blick-aus-dem-Büro

PensFree

The working world is becoming more flexible. Employees undergo phases of working and not working, whether through taking a career break after many years, to further their training, to take a maternity break or attend an extended language course. If so, you need an uncomplicated vested benefits foundation as a “parking space” for your accumulated retirement assets.

  • Low rate of source tax in Canton Schwyz.
  • Free choice of bank and investment strategy.
  • Pens Expert mortgage to finance your own home
  • Personal advice from your retirement coach

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PensExpert St. Gallen Fürstabtei

Pens3a

“When you're old, you're old”, as the young and young at heart like to say. However, they forget that early 3rd pillar payments bring long-term benefits. That’s why we offer a voluntary private pension solution for you. An additional exclusive provision is that Pens3a is the only Pillar 3a pension foundation in Switzerland that offers a mortgage to finance your own home.

  • Low rate of source tax in Canton Schwyz
  • Free choice of investment strategy and bank
  • Pens Expert mortgage to finance your own home
  • Personal advice from your retirement coach

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«We like the way PensExpert supports the individuality of our management employees in terms of their personal pension provision.»
Zeno Böhm
CFO
Burkhalter Group