Three occupational benefits solutions

We propose a concept of occupational insurance that allows, thanks to its modular approach, the realization of a tailor-made solution fully adapted to the needs of your Company and its human resources.  Each Company may also choose to combine several solutions in order to optimize the pension plans of the different categories of Insureds.
Based on the analysis of your occupational benefits requirements and the various available options, you can configure an individual solution custom-fit to the size of your company and the profile of your employees.
  Multi-employer solutions Company solution Individual solution
Small and middle-sized companies  
Middle-sized and large companies  
Middle, top management and enterprise subject to IFRS  

The Multi-employer Pension Funds solutions Genesia und Grano are particularly attractive for the small and middle-sized structures. The main advantages of these solutions are their simplicity and globalized asset management, which allow you to outsource your administration on very attractive terms while ensuring complete transparency. The Genesia solution is more specifically tailored for the French-speaking part of Switzerland and the Grano solution to the German-speaking part.

The Company Pension Fund solution is designed for companies seeking to establish a comprehensive occupational benefits solution allowing them to make the effective decisions on the asset management, interest rate policy, conversion rates, etc. 

Key value added of this solution is a combination of a tailored employer occupational benefits solution with the cost advantages of the large size of the Collective Foundation.

The Individual solution or Individual Choice of Investment Strategy solution is intended for companies wishing to offer their executives an extra-mandatory occupational benefits plan that leaves each of them the freedom to manage their own investments within a defined framework in accordance with the laws.

In addition, for the companies under the international accounting standards IFRS/USGAAP, the Individual solution provides an effective way to reduce their balance sheet commitments, while offering their executives an attractive benefits package adapted to their risk profile.

Shared characteristics of the different solutions

The FCT and the FCT 1e were founded from the desire to create occupational benefits institutions that could provide solutions to present and future challenges in the occupational pensions field, while being organized so as to leave as much choice as possible to the Insureds and affiliated employers.

In line with this vision, the FCT Group has developed a model for configuring an occupational benefits system tailored to companies of all sizes and presenting the following common characteristics :

Flexibility

  • Free choice of solution and pension plans
  • Choice of partners (asset management, reinsurance)
  • Insureds: secure online access to individual data
  • Company: online mutations or automatic interface with the Company's HR information systems

Performance

  • Direct participation to the evolution of the financial markets
  • Investment strategy adapted to the structure of each Company (FCT)
  • Investment fluctuation reserve adapted to the needs for security of each Pension Fund (FCT)
  • Remuneration method for savings accounts adapted to the coverage rate (FCT)

Cost efficiencies

  • Transparency of the different costs
  • Attractive asset management fees
  • 3-year rate guarantee for the administration and reinsurance

Security

  • Internal control system and certified partners
  • Congruent reinsurance coverage for death and disability risks
  • Mastering of investment risks, annual asset-liability study or ALM (FCT)