Our FAQs
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.