Recent changes to the regulatory framework of the Swiss Occupational Benefits Act (LPP in French) have made occupational pension fund management more complex.

• The LPP provisions on governance and transparency which took effect under the Structural Reform led to changes in approach.
• The concept of derisking is impacting all occupational benefits players.
• Prévoyance 2020, the overall reform project of the Swiss social security system, is a new challenge for the second pillar.                                                                 
• Result: additional operating costs which impact SMEs in particular.

A significant structural change is also under way among occupational benefits providers. The number of pension funds fell from over 3,000 in 2004 to 1,957 in 2013. The number of policyholders grew by +30% over the same period.

Needs created:

• SMEs have to manage the additional costs to remain competitive.
• They must continue to provide a transparent, attractive and flexible occupational pension scheme to attract and retain the best employees.

• ​A complete collective solution within the framework of mandatory occupational benefits affiliation
• An individual solution within the framework of an additional voluntary  contributions plan ("Bel étage" - executives fund)
• Semi-autonomous pension fund
• Choice of the best Edmond de Rothschild occupational benefits service providers
• Deployment of a basic LPP compulsory occupational pension plan
• Vested benefits solutions.

• ​Individual follow-up for policyholders with a private banker from a Wealth Management perspective
• Tax planning
• Advice on LPP pension buybacks
• Free choice of investment strategy (executives)
• Vested benefits account with tailored management