NEWS &
KNOWLEDGE


  • 3.50% interest for insured persons in 2021

    December 2021: Thanks to its good performance, ALSA PK can pay interest of 3.50% on the savings balances of insured persons. The BVG minimum interest rate for 2021 is 1%.

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  • Performance November 8.96% - Coverage ratio 114.78%

    December 2021: The ALSA PF investment strategy increased its performance (YTD) by around 1.32% as at the end of November, reaching a value of 8.96%. All investment categories except Swiss bonds and foreign currencies hedged in CHF achieved a positive return. The funding ratio settled at 114.78%. The UBS PF Index achieved a performance of 6.55%.

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  • PERFORMANCE SEPTEMBER 2021 7.64% - DECKUNGSGRAD 115%

    October 2021: The ALSA PF investment strategy achieved a performance (YTD) of 7.64% as at the end of September. All investment categories except Swiss bonds and foreign currencies hedged in CHF achieved a positive return. The funding ratio remained at the previous quarter's level of around 115%, which is attributable to the excellent performance.

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  • Reduction of the retirement loss - New pension conversion rates from 2023 onwards

    September 2021: ALSA PF aims to maintain financial stability even in an unfavourable environment. Low returns and increasing life expectancy with a constant pension conversion rate cause high retirement losses. These are borne 100% by the active insured. The costs for this can be quantified as 1% to 1.50% interest paid to the active insured. The active insured lack this interest when building up their pension capital.

    ALSA PK will gradually reduce the pension conversion rate from 2023. This reduces retirement losses and brings the healthy financial stability desired by active members and pensioners. The interest on the pension capital can be increased by.

    Who will be affected by the reduction?

    All insured members who will turn 64 or 65 in 2023 or later and retire on a regular basis. Insured persons who will turn 64 or 65 in 2023 and are planning early retirement are also affected.

    Further information: Leaflet "new pension conversion schemes", available here.

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  • August 2021: The Board of Trustees was elected for a further four years. Instead of the long-standing members of the Foundation Board Reinhard Stieger and Pedro Güntensperger, Carmen Reumer-Hefti from Weesen, Financial Manager of Romer's Hausbäckerei AG, and Marcel Müller from Lachen, Managing Director of Glasmanufaktur Buttikon, were newly elected. 6 members, some of whom have been members for many years, made themselves available for a further term of office (2021 - 2025). These are: Yvan Brändli, Stefan Jud, Stefanie Kunz, Damir Sabljo, René Scheu and August Wildhaber.

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  • Termination of affiliation contract - Federal Court decision 2020

    December 2020: A Federal Court decision strengthens the participation of employees in the termination of the affiliation contract to a pension fund. Informing the employees is not sufficient. The termination is invalid. For further information, please contact us.

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  • External membership for departing insured persons over 58

    December 2020: With external membership, the pension plan can be continued in the event of termination. It will still be possible to draw the retirement pension. Savings contributions can continue to be paid in. If desired, the existing pension capital can be deposited with ALSA PF free of charge. The application for external membership must be submitted within 2 months of leaving the ALSA PF.

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  • Current: Employee contributions financed from employer contribution reserve

    November 2020: At its meeting on 11 November 2020, the Federal Council decided that employers may once again use the employer contribution reserves they have accumulated for the payment of employee contributions to occupational benefit schemes. It adopted the corresponding amendment to the ordinance.

    The regulation will come into force on 12 November 2020 and will expire on 31 December 2021.

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