The Company solution is ideal for companies that want to retain control regarding their occupational benefits. The solution allows companies to:

• Choose their own investment strategy.
• Decide on key aspects, such as the conversion rate and the interest rate credited on retirement savings capital.
• Benefit from preferential terms due to the size and structure of the FCT Group

Each affiliated company has its own pension fund within the FCT Foundation and appoints its own Pension Committee. It acts independently, while benefiting from the structure made available by the FCT.

Each pension fund is separate from the other pension funds, and in particular has its own coverage ratio. A fund can therefore select aspects such as the investment strategy best suited to the Fund's structure and risks, its own reinsurance contract and the range of occupational plans to opt on.

The FCT Group provides Pension Committees with various kinds of support in their strategic activities.  All administrative tasks are delegated to the FCT Group.

The FCT Board of Trustees is the highest governing body that ensures compliance with regulatory and statutory requirements.

The affiliated company's Pension Committee is supported by investment experts from the FCT Group in defining and implementing its investment strategy. The FCT Group offers three different models:

1. Four turnkey strategies that are ready to implement and deliver attractive performance linked to the affiliated fund's needs.
2. Access to a range of investment funds managed by top-tier providers. The funds are selected and tracked by the FCT Group, which negotiates attractive rates. The affiliated fund can then put together its own investment portfolio by selecting from the available funds.
3. Custom tailor-made investment solutions. The possibility to opt for a custom tailor-made investment solution with the support of your own investment consultant.

The Pension Committee of each company's pension fund defines its occupational benefit plan(s) according to the specific needs of the company and its staff members.

• Saving contributions: the Pension Committee can define its own scale of saving contributions, which will go towards building its employees' retirement savings capital.
• Risk benefits (covering death and disability risks): companies can adjust risk benefits paid in the event of death or disability, providing employees and their relatives suitable coverage should the unexpected occurs.
• Financing method: companies can determine how their occupational benefit plan will be financed, i.e. the proportions funded by the employer and by the insureds themselves.
• The interest rate on savings accounts: this determines the interest rate credited on the insureds' retirement savings capital, depending on the Fund's financial situation and the returns it has achieved.
• The conversion rate: the company decides on the rate to be used to convert savings capital into a pension when an employee reaches retirement.

The company solution gives affiliated companies the highest level of flexibility to tailor their occupational benefit plan(s) to the specific needs of their staff and their corporate policy.

The death and disability 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.

We currently have a pooled reinsurance contract that covers the risks of several affiliated companies and offers attractive pricing. In addition, no medical examination is required for an insured to be covered by the contract, which means that all insureds can obtain cover unconditionally.

Our company solutions also allow large corporations to put together a custom solution if they so desire.