The 1e pension foundation of Credit Suisse: Collective Foundation 1e

Employee benefits insurance that offers employees more control with personalized advice for your company and your employees: Thanks to the 1e pension solution of Credit Suisse, you receive the support you need.

Get more from your employee benefits insurance with the Credit Suisse Collective Foundation 1e

Credit Suisse Collective Foundation 1e is designed for the collective investment and management of pension capital under 1e pension plans. It enables you to insure salary components in excess of CHF 129,060, the amount subject to AHV contributions. 


The Foundation insures employees of affiliated companies, self-employed members of a professional association, as well as self-employed persons and their staff.

Credit Suisse Collective Foundation 1e offers special advantages for a range of target groups

Important regulations and forms of the Credit Suisse Collective Foundation 1e

Product range of Credit Suisse Collective Foundation 1e

Affiliation with the Credit Suisse Collective Foundation 1e gives insured persons access to the 1e product range of CSA Investment Foundations (CSA / CSA 2) to invest their pension assets.


Personal consultation

Do you have questions? Would you like a consultation on the Collective Foundation 1e? We look forward to assisting you. Please contact us by phone or email to schedule a personal meeting with our experts.

FAQ – Do you have further questions?

  • The company's pension committee selects up to ten strategies that are then made available to the insured.

  • Credit Suisse (Switzerland) Ltd. informs the insured about the investment strategies and the associated risks and costs.

  • The insured can choose an investment product that matches their personal risk profile.

  • The insured can change their strategy at any time via the Credit Suisse Collective Foundation 1e online portal. 

Admission discussion / risk disclosure

  • As a rule, the Foundation provides the insured persons with information on the different investment strategies as well as the risks and costs associated with them when they are choosing an individual investment strategy. The risk disclosure is delegated by the Foundation to the Credit Suisse client advisors.

  • The risk category will be determined based on your individual risk ability and risk tolerance.

  • In accordance with your risk category, you can choose an investment strategy offered by the employee benefits fund or the low-risk investment strategy.


Information / annual safekeeping account discussion

  • At least once a year, you will receive a pension certificate showing the insured benefits, the pensionable salary, the contributions to the Foundation, and the retirement assets. 

  • In addition, at least once a year, you will receive an asset summary that shows the changes in the retirement assets. In addition, there are plans to make an asset summary available to insured persons 24/7 on an online portal. 

  • The Foundation will also report in a suitable manner each year on the annual financial statements, the organization and financing of the Foundation, and the composition of the Board of Trustees.

  • Finally, there will be an option for insured persons to obtain information from management at any time about the amount of their termination benefit, the retirement assets available to them for the promotion of home ownership, and consequences resulting from an advance withdrawal or pledge. 

  • If you are also a private client of Credit Suisse, safekeeping account discussions can take place with the responsible client advisor at regular intervals. In addition, the chosen investment strategy is reviewed in the course of reviewing your overall situation.


Discussion on leaving the pension fund

The risk disclosure takes place upon admission and covers all relevant issues. Accordingly, no specific discussion is required for leaving the pension fund.

  • Your retirement assets will be invested in accordance with a single investment strategy. It is not possible to split the retirement assets across various investment strategies.

  • Your individual investment needs and risk appetite/tolerance are taken into account in the employee benefits fund's selection of ten different investment strategies. The employee benefits fund itself can choose ten investment strategies out of a list of 15, two of which (low-risk and default strategy) must be selected.

  • Pursuant to Art. 1(e)(4), pension funds may offer more than one asset manager.

  • It is planned for the Foundation to generally have the option of allowing external asset managers in accordance with the regulations on investments.

In the case of retirement or departure from the foundation prior to the occurrence of an insured event, the retirement savings will be paid out either as a retirement benefit or as a vested benefit in the form of a lump sum. In these cases, you always have the option of continuing the investment strategy "indirectly" by investing in a comparable strategy with the corresponding investment costs.

The investment regulations currently stipulate that you are able to switch the investment strategy at least once a month, with effect on the first day of the following month. You must notify the foundation of the decision to switch strategy at least ten working days before the end of the month.

  • Upon retirement, your retirement assets are paid out exclusively in the form of a lump sum.

  • Insured persons who are also private clients of Credit Suisse will, if necessary, be assisted by specialists (relationship managers and financial planning specialists) with regard to asset structuring in the event of wealth attrition.

The pension plans only provide for disability pensions.

A medical examination will be conducted if the salary to be insured by the foundation is more than CHF 200,000. In this case, you must answer a questionnaire with health questions for the reinsurance company. Depending on your answers, the reinsurance company may request further medical information from the treating physician at its own expense.