What are "1e solutions"?

1e plans allow employs to determine how their retirement assets for insured salary components in excess of CHF 132,300 (2023 amount) are invested. They can adapt their investment strategy in line with their personal investment horizon and risk tolerance and thus optimise the returns generated on their retirement assets over the long term. The name "1e" comes from Article 1e of the Ordinance on Occupational Pensions (BVV 2). 

With a 1e plan, companies can lower their occupational pension costs and eliminate the risk of any shortfalls in coverage. Compared to traditional pension funds, 1e plans are not exposed to any restructuring risks.