An association solution that creates added value for you

Self-employed persons without employees are not subject to mandatory occupational benefits. They have the option of voluntary coverage through the Swiss Association of Entrepreneurs.

Members have access to pension solutions to protect against the financial consequences of retirement, death and disability. The Association aims to offer its members modern and progressive solutions with attractive risk premiums.

To support its members in their choice of occupational benefits, the Swiss Association of Entrepreneurs offers voluntary occupational benefits to self-employed professionals without employees operating in the following fields:

  • Medicine
  • Law
  • Management Consulting
  • Construction
  • Finance

 

BVG pension solutions for self-employed persons

Self-employed persons may choose from one of five pre-defined plans.

 

  Aquamarina Opal Smaragd Saphire
1e Flex not possible
Diamant
1e Flex not possible
Reported wages CD_J_BVG_max_Lohnsumme_EN CD_J_UK_Flex_EinkommenLohn_EN CD_J_UK_Flex_EinkommenLohn_EN AHV Wage AHV Wage
Coordination deduction CD_J_BVG_Koordinationsabzug_EN CD_J_BVG_Koordinationsabzug_EN 0 CD_J_BVG_Koordinationsabzug_EN 0
Insured wages CD_J_BVG_max_koordinierter_Lohn_EN CD_J_BVG_ver_Lohn_EN CD_J_UK_Flex_EinkommenLohn_EN AHV salary minus
coordination deduction
AHV Wage
Retirement credits 7/10/15/18 % 7/10/15/18 % 7/10/15/18 % 9/12/17/20 % 10/15/25/25 %
Premium exemption Waiting period 3 / 6 Mt. Waiting period 3 / 6 Mt. Waiting period 3 / 6 Mt. Waiting period 3 / 6 Mt. Waiting period 3 / 6 Mt.
Disability pension BVG - 70 % BVG - 70 % BVG - 70 % BVG - 70 % BVG - 70 %
IV Child pension BVG - 20% BVG - 20% BVG - 20% BVG - 20% BVG - 20%
IV Waiting period 12 Mt. / 24 Mt. 12 Mt. / 24 Mt. 12 Mt. / 24 Mt. 12 Mt. / 24 Mt. 12 Mt. / 24 Mt.
Spouse‘s pension BVG - 30% BVG - 30% BVG - 30% BVG - 30% BVG - 30%
Orphan‘s pension BVG - 20 % BVG - 20 % BVG - 20 % BVG - 20 % BVG - 20 %
Death benefits 100 - 300 % 100 - 300 % 100 - 300 % 100 - 300 % 100 - 300 %

 

1e pension solutions for self-employed persons

For their 1e pension solution, self-employed persons may choose from a selection of four pre-defined plans.  As an independent pension platform, Liberty offers customised securities solutions from renowned banks and asset managers.

  Aquamarina Opal Saphire Diamant
Reported wages AHV Wage AHV Wage AHV Wage AHV Wage
Coordination deduction CD_J_UK_Flex_EinkommenLohn_EN CD_J_UK_Flex_EinkommenLohn_EN CD_J_UK_Flex_EinkommenLohn_EN CD_J_UK_Flex_EinkommenLohn_EN
Insured wages AHV salary minus
coordination deduction
AHV salary minus
coordination deduction
AHV salary minus
coordination deduction
AHV salary minus
coordination deduction
Retirement credits 10/10/10/10 % 15/15/15/15 % 20/20/20/20 % 25/25/25/25 %
Premium exemption Waiting period 3 / 6 Mt. Waiting period 3 / 6 Mt. Waiting period 3 / 6 Mt. Waiting period 3 / 6 Mt.
Disability pension 10 - 70 % 10 - 70 % 10 - 70 % 10 - 70 %
IV Child pension 0 - 10 % 0 - 10 % 0 - 10 % 0 - 10 %
IV Waiting period 12 Mt. / 24 Mt. 12 Mt. / 24 Mt. 12 Mt. / 24 Mt. 12 Mt. / 24 Mt.
Spouse‘s pension 0 - 30% 0 - 30% 0 - 30% 0 - 30%
Orphan‘s pension 0 - 10 % 0 - 10 % 0 - 10 % 0 - 10 %
Death benefits 100 - 500 % 100 - 500 % 100 - 500 % 100 - 500 %

 

 

The Association also has a large network of partners renowned for their competence and quality of service.

Read more here