For brokers

Trusting and personal cooperation with you as a sales partner is very important to us. This is always with a view to the priority and common goal: a highly satisfied customer base.

Our brokerage event

This is what TRANSPARENTA offers

TRANSPARENTA is a pension fund for companies that insure more than 10 people and want a clear view of their employee benefits.

To this end, we combine the benefits of the corporate pension fund with the advantages of the joint fund.

Pension funds can also join forces to form a joint pool in order to be able to maintain a uniform level of coverage with economically, legally or ideologically affiliated companies. This pooling option allows companies with less than 10 insured persons (e.g. holding companies or subsidiaries of existing lines) to also join TRANSPARENTA.

The details of the rights and obligations of the affiliated companies are regulated in the general affiliation contract terms.

To the offer

For affiliated pension funds, this means:

100% profit-sharing and unique transparency as with a company-owned pension fund.
Affordable capital investment as well as a collective pension pool and insurance solidarity as in a community institution.
The risks of death and disability are fully (congruently) covered by the reinsurer PKrück.
Security thanks to a focus on proven asset classes of equities, bonds and Swiss real estate as well as a rule-based rebalancing approach since 2024.
Dilution protection and participation in interest payments thanks to individual coverage ratio per pension fund.
More participation thanks to voting options for the conversion rate with two different pension models
Holistic care management in case of incapacity for work — free service for insured persons and affiliated companies

“Flexible and first-class pension solutions — with experts at your side.”

Your customised pension plan

Whether it's a cost-effective pension plan close to BVG, a tax-optimized management plan or a balanced concept with plans for several departments within a company: Work with us to exploit the full spectrum of the 2nd pillar — to the advantage of employers and insured persons.

Our numerous plan options and advanced provisions in general regulations enable you to tailor pension solutions flexibly and individually to the needs of your customers.

Vorsorgen mit Durchblick. TRANSPARENTA Pensionskasse verbindet die Vorteile einer eigenen Firmenpensionskasse mit den Pluspunkten der Gemeinschaftseinrichtung.

Entry threshold

The AHV annual salary threshold above which employees are accepted into the pension fund can be reduced or omitted altogether.

coordination deduction

The coordination deduction can be reduced, either by 50% for everyone in general or for parttime employees, where the deduction is adjusted in proportion to the level of employment. It can also be canceled completely in order to insure the full gross annual salary, as with the AHV.

Insured salary

Insured wages can be defined differently for savings and risk insurance. Up to two insured wages are possible when saving and up to three with risk insurance. The wage maximum is also largely freely determinable.

Risky benefits

Risk benefits in the event of death and disability can be set as a percentage of the insured salary. As a result, risk insurance is not dependent on the amount of retirement assets saved up to now, as provided for in the BVG for the logic of statutory minimum benefits.

Savings contributions

The amount of savings contribution rates (retirement credits) and the graduation by age group are freely selectable — within the limits of appropriateness in accordance with Art. 1 BVV2. An increase in the savings contribution rate to up to 25% is usually feasible.

Election plans

Employers can offer their staff the opportunity to choose from a maximum of three savings contribution variants. The retirement credits financed by the employee depend on the plan chosen; those financed by the employer are the same in all plans. The provisions of Art. 1d BVV2.

“For us, the focus is on personal exchange and cooperation on equal terms.”

Clear prospects in person — our annual brokerage event

The venue is our training room in Aesch BL, where we have been successfully holding the event since 2006.

At our brokerage events, you will receive practical knowledge and well-founded background information on current topics in occupational pensions.

The event, which is popular with our sales partners, takes place in a personal setting and offers participants the opportunity to exchange experiences and opinions in a targeted manner. The final aperitif also offers the opportunity to clarify open questions and continue discussions.

Learn more about TRANSPARENTA and our innovative pension solutions in a personal conversation.

contact

As a partner, we are happy to personally support you with our specialist knowledge in strategic, legal and insurance issues. In addition to administrative specialists, the consulting team of DR. WECHSLER & PARTNER Experts for occupational pension plans AG available.

In addition, efficient administrative processes save on web portal and direct contacts time and costs.