The multi-employer solution is ideal for small and medium-sized companies and has a number of distinctive features:

• Simplicity: easy and efficient to manage.
• Collective management of funds: transparent operation and attractive terms.
• Delegation of administrative work: time saving and peace of mind.

The multi-employer solution is overseen by a Pension Committee consisting of four members elected by employer and employee representatives of the affiliated companies. The Pension Committee makes decisions on aspects such as the investment strategy best suited to the Fund's structure and risks, the reinsurer and the range of occupational benefit plans available.

As a company affiliated to our multi-employer solution, you delegate the responsibility of the decisions to the elected Pension Committee members, allowing you to focus on your core business while having an attractive occupational benefit solution. You can also define some characteristics of your own occupational benefit plan, such as saving contributions and risk coverage.

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

The Pension Committee, supported and advised by independent experts, defines the investment strategy and selects asset managers. Assets are invested indirectly through a selection of top-tier asset managers and across various asset classes.

Thanks to the FCT Group's size, the multi-employer solution offers economies of scale, allowing to minimise asset management fees and achieve attractive returns over the long term.

The Pension Committee of the multi-employer solution defines the basic terms of the occupational benefit plans, such as the interest rate on savings accounts and the conversion rate used to calculate retirement pensions.

Affiliated companies can customise their occupational benefit plans by selecting the following.

• 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.

These choices allow companies to adjust the key features of their occupational benefit plans to their specific needs, as part of a solution that is particularly well suited to micro-enterprises and small companies.

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.