PensFlex: Collective foundation 1e

With PensFlex, you can structure your extra-mandatory pension provision for annual salaries from CHF 132,300 per employee exactly according to your needs. We are talking about the foundation that stands for the paradigm shift in occupational benefits: away from collective obligation - towards more freedom and personal responsibility. With PensFlex, each insured person decides individually, entrepreneurially and independently on their personal investment strategy.

We design tailor-made pension solutions for you within the scope of what is legally possible. With PensFlex, you have the option of setting up your 1e pension plan freely and optimally tailored to your basic pension fund - and at attractive risk premiums. If required, you can offer your employees three different optional plans to make their pension provision even more needs-orientated.

Why PensFlex?

There are many good reasons for PensFlex. A well-developed pension plan for specialists and managers is a decisive recruitment advantage today and a very important salary component. Due to the redistribution in the 2nd pillar, a personal and tailor-made pension plan is an important criterion for many managers.

Flexible planning

With PensFlex, you have the option of setting up your 1e pension plan freely and optimally tailored to your basic pension fund. In addition, a pension solution split between different providers gives you the necessary freedom and certainty that your capital accumulation with PensFlex 1e ultimately belongs to you.

Tax advantages for your company

With PensFlex, your company can build up employer contribution reserves. This allows you to balance your company's profit in both good and bad times by building up reserves and optimize your tax burden in the long term. Employer financing on a more than parity basis instead of a salary increase also brings real added tax value for employers and employees.

Tax benefits for your executives

Due to the redistribution in the 2nd pillar, a tax-optimized management pension plan is an important criterion for more and more specialists and managers. We will be happy to support you in pension and tax planning and in choosing the right instruments.

High planning reliability

PensFlex gives your company more planning security and therefore financial benefits. With our split 1e pension solution, there is no redistribution, no restructuring risk and, depending on the accounting standard, no balance sheet inflation (IAS 19).

Create to measure

With PensFlex, you can choose between investment strategies with an asset management mandate or investment strategies with BVV2-compliant strategy profiles. We will be happy to help you find the right solution for you together with our banking partners.

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


You decide on your personal investment strategy individually, entrepreneurially and under your own responsibility.


You receive full transparency regarding costs and performance.

Investment success

The performance of your assets is credited 100% to your personal retirement custodian account.

A brief overview

Year of foundation


Foundation domicile


Foundation board

Marcus Waldispühl, Meggen (Chairman)
Dionys Berwert, Meggen
Franziska Bur Bürgin, Basel
Sebastien Godin, Cham

Management and Consulting

PensExpert AG


Mobiliar Lebensversicherungsgesellschaft

Pension fund expert

Dominique Koch, Dipeka AG, Basel


Convisa Revisions AG, Schwyz


Zentralschweizer BVG und Stiftungsaufsicht (ZBSA)

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