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copré The individual choice of investment strategy The economic situation that has prevailed over the last few years has reshaped the landscape of occupational pensions. In this particular context the concept of a partial individualisation of occupational pension plans is gaining ground, especially for salary categories of a certain level. The new Copré product meets this demand. It provides the possibility of a choice of investment strategy for one’s pension assets, permits individual involvement, and offers prospects of different returns.


· New investment alternatives for 2nd pillar savings

· Investment options adapted to the individual

risk profile

· Individual accountability of the insured person

· Optimisation of the 2nd pillar

Access level

· Salary in excess of 150 % of the LOB salary (CHF 126’360.–)


· Membership of the collective de révoyance - copré for the basic plan

· Membership through copré of


the framework plan with choice of investment strategy

· Notification of changes (entry, exit, salary

modifications, etc.) to a single entity, i.e. copré

· Individualised choice of investment strategy in the

range offered by

· Old-age, disability and death risks covered

according to the needs of the enterprise (no standardised plans)

ADVANTAGES Choice of investment Multiple investment choices / Choice of risk by the insured person

Transparency Full information on the evolution of the investment and costs

Flexibility Change of strategy possible during the year in function of personal situation

Performance Opportunity of higher returns

Diversification Strategy of the basic plan different from that of the framework plan within the same cover

Coordination Overall coordination between private assets and the 2nd and 3rd pillars

Taxation Optimisation in the context of the 2nd pillar (buy-ins, savings contributions, etc.)

Death capital Always paid in addition to insured risk benefits

Employer’s obligation No commitment to pay required of the employer or independent

Reserves No financing of collective reserves: profits fully in favour of the insured

IAS 19 No financial commitment to be taken into consideration in the employer’s accounts

co re LA COLLECTIVE DE PRÉVOYANCE 4 0 A N S | 1 9 74 — 2 0 1 4

RUE J.-GROSSELIN 8 | CP | CH – 1227 CAROUGE GE T 022 308 86 69 | F 022 308 86 06 COPRE@COPRE.CH | WWW.COPRE.CH


Maximum individualisation in occupational pensions

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