Our FAQs
If you have any questions or require any information about the FCT Group's custom occupational benefit solutions – in terms of the advantages, support and services we provide – contact us on
+41 (0)58 255 04 60
info@fctpension.swiss
Monday to Friday
8am-12pm / 1.30-5pm
If you have any questions relating to the operation or management of a Pension Fund or your occupational benefits situation, contact us on:
0800 33 12 34 (in Switzerland)
(if calling from abroad: +41 21 796 00 50)
infofct@trianon.ch
Monday to Friday
8-11.30am / 1.30-4.30pm
Access to the secure online portal
If you are insured with one of our foundations, you can contact Trianon SA, the service provider responsible for administrative management, by email or telephone, for any questions relating to your benefits (retirement, death, home ownership incentives, pension certificates).
Insureds can connect to the secure portal via the link at the top of the website home page. Login details are provided when affiliating to one of our Foundations. If you have any questions or need support regarding the portal or your login details, you can contact Trianon SA, which is the provider of administration services.
Simply sign in to your personal area of the secure portal to access all of your occupational benefits information.
The benefit statement is available for download in the "My occupational benefits" section of your personal area of the secure portal.
The FCT Group consists of several Swiss occupational benefits institutions. The purpose of those institutions is to provide custom solutions for insureds and companies.
The FCT Group is able to offer attractively priced asset management services by pooling assets, which total more than CHF 7 billion for the FCT Group as a whole, and through its open-architecture and institutional asset management approach, which guarantees that our insureds get the best solutions. Asset management costs can also be reduced by using index-tracking products. This transparent, efficient approach allows us to offer attractive terms while ensuring effective, high-performance asset management.
Insureds affiliated to the FCT 1e can make their initial choice of investment strategy at any time on the secure portal. By completing a questionnaire, they can identify their risk tolerance, enabling them to select the investment strategy that suits them best. Subsequently, they can change their investment strategy on a monthly basis by selecting from the various ones available: the FCT 1e does not charge any transaction fee for this.
The FCT Group offers several investment models, ranging from turnkey strategies to fully customised ones. The Pension Committees of our affiliated funds benefit from all the flexibility of the open-architecture approach, and are not dependent on any asset manager.
For insureds affiliated to our FCT joint or company solutions, investment strategies are established by the Board of Trustees or the Pension Committee. Insureds affiliated to the FCT 1e can select one of up to 10 investment strategies for the individual management of their pension assets.
In Switzerland, every employer must provide occupational benefits coverage to its employees in accordance with the LPP/BVG pensions act. Coverage is mandatory and enables insureds to build up savings capital for their retirement. The occupational benefit plan also covers insureds and their loved ones against the risks of disability and death.
Details regarding selected strategies and investments for each type of occupational benefits solution are provided in the "Our solutions" section of our website. The secure portal provides insureds with all information about the investment strategies and investments of their pension fund.
You can get an overview of the pension plans of the solutions on offer by clicking on the “Occupational benefit plan” tab in the selected solution.
All solutions offered by the FCT are fully reinsured in terms of death and disability risks. The risk benefits of the occupational benefit plan selected by the company are fully covered by reinsurance. Reinsurance is provided by a renowned insurance company that is regulated and supervised by FINMA (the Swiss financial market supervisory authority), ensuring that the cover is solid and reliable.
The 1e solution gives eligible insureds greater freedom in managing the investments making up their pension assets, in accordance with legal requirements. It also allows companies to reduce the occupational benefit liabilities on their balance sheets, while offering suitable and attractive benefits to insureds with an income of more than CHF 136,080 (2025 figure).
The joint solution is for small and medium-sized companies with at least two insureds. It has been optimised to be a more effective way of meeting the needs of companies and freelancers who want a flexible, cost-efficient solution.
The company solution is for companies that want to play a central role in strategic decisions regarding the occupational benefits of their employees. It allows companies to customise the way their occupational benefits are managed, particularly as regards investments, interest credited and the conversion rate. It offers independence and is financially advantageous because risks are pooled within a joint foundation.
The solution for pensioners allows companies affiliated with the FCT to transfer some or all of their pensioners, and thereby reduce their occupational benefit liabilities. It is a safe and sustainable solution that ensures that current and pensioners will continue to receive their pensions.
The joint solution is suitable for small and medium-sized companies wanting to pool risks and manage their occupational benefits more effectively.
The company solution is designed for large companies that want greater customisation.
The 1e solution is for insureds who have higher incomes, offering individual management of investments.
In relation to 1e plans, a questionnaire is available on the secure portal to assess each insured's investor profile. The questionnaire establishes their risk tolerance and helps them select the investment strategy that suits them the best. The investment strategy can then be changed every month by selecting from the various strategies on offer.
In relation to 1e plans, a questionnaire is available on the secure portal to assess each insured's investor profile. The questionnaire establishes their risk tolerance and helps them select the investment strategy that suits them the best. The investment strategy can then be changed every month by selecting from the various strategies on offer.
If you have any questions about our occupational benefits solutions, contact us on 058 255 04 60 or email us at info@fctpension.swiss.
If you have any questions relating to the operation or management of your Pension Fund or your occupational benefits situation, contact Trianon by calling 0800 33 12 34
(if calling from abroad: +41 21 796 00 50) or by sending an email to infofct@trianon.ch.
Vested benefits are the pension assets accumulated in a pension fund (2nd pillar) that the insured retains when they leave their job without immediately joining a new pension fund.
This capital consists of entry vested benefits transferred from previous pension funds, employee and employer contributions, any purchases made, and interest accrued over time. It remains allocated to retirement provision and can only be withdrawn at retirement age or in certain cases of early withdrawal provided by law.
When leaving a pension fund, if no new affiliation is immediate, the assets must be transferred to a vested benefits institution. This is precisely the mission of the Vested Benefits UP foundation: to receive, manage and grow these assets in complete security until the next affiliation or until retirement.
Vested Benefits UP is intended for anyone in a professional or personal transition:
- change of job without immediate new affiliation,
- parental leave, career break, expatriation,
- unemployment or dismissal,
- transition to self-employment,
- continuing education or retraining,
- divorce or contract termination close to retirement.
Thanks to a hybrid and digital solution, the insured can manage their assets seamlessly, securely, and easily.
The Vested Benefits UP foundation combines the strengths of two Swiss leaders: FCT and Trianon SA. It offers:
- independent governance with no conflicts of interest,
- a competitive all-in fee (0.34% to 0.50%),
- a choice of 17 investment profiles,
- an intuitive digital platform,
- personalized human-centered support,
- and 100% Swiss management that is transparent and secure.
The Vested Benefits UP foundation applies a clear all-in fee of between 0.34% and 0.50% per year, including:
- foundation management fees (0.30%),
- external bank charges (0.05% to 0.10%),
- internal fund fees (TER up to 0.15%).
There are no entry fees, exit fees, exchange margins or withholding taxes.
The costs are clearly displayed when you choose your strategy.
The Foundation offers 17 investment profiles divided into three categories:
- Global Strategies (0% to 75% equities),
- Sustainable Strategies (15% to 75% equities, with ESG criteria),
- Index Strategies (25% to 80% equities, based on Pictet LPP indices).
The approach is based on an open architecture, combining index funds (core) and active investments (satellite).
Assets are held securely with leading Swiss banks.
Yes. Sustainability is an integral part of the Foundation's investment approach.
In addition to the ESG criteria integrated into all strategies, the Sustainable range offers six dedicated profiles with sustainable labels, selected from responsible asset managers.
These options allow the insured to balance returns and impact.
Insureds can change their strategy at any time via their secure online account.
Orders are executed weekly, according to a transparent schedule, at no extra cost.
The dynamic rebalancing system and netting between insureds optimize costs and smoothly adjusts the portfolio.
Yes. In addition to the digital interface, the Foundation offers interactive profiling (questionnaire) to define the investment profile and investment horizon.
Specialized advisors are available to assist the insured in choosing a strategy, analyzing their portfolio, or with any administrative procedures.
Upon retirement, the vested benefits can be withdrawn in form of a lump sum starting up to five years before reaching the statutory retirement age, or maintained for up to five years thereafter. In the event of death, the vested benefits are paid in the form of a lump sum to the legal beneficiaries (spouse, registered partner, children).
Contributions include three components: (1) savings contributions, (2) risk contributions (death, disability) and (3) administrative costs. Amounts depend on the plan chosen, insured salaries, employee ages and company size.
Unlike the full-insurance model offered by insurance companies, FCT is a genuine collective pension foundation: each company has its own fully independent pension fund. This allows for maximum flexibility in tailoring pension benefits to the company's needs and philosophy, an open investment architecture, active participation in key decisions, the potential for higher returns on insured members' pension assets, and personalised support from a dedicated Key Account Manager.