Hi all,
Our company (10 employees, Vaud) has its 2nd pillar with Axa, which only “performs” the 1.25% minimum.
I am looking for alternatives and after some research I’m considering Profond, Copré, ASGA or PKG. Has anyone switched a small company to one of these, or would you recommend another?
Any feedback on fees, service or traps when switching?
Thanks!
Check FIP from centre patronal. I think your company is too small for Profond.
There are multiple Axa foundations, which one are you with?
The company I work for is with Axa Suisse Romande (Bienvenue | AXA Fondation LPP Suisse romande) and the returns were higher than the minimum those past few of years. The page even says “2025: 5% obligatory, 6% over-obligatory”.
The company is much bigger (200+ employees), but the page says “57 000 assurés et assurées dans plus de 11 000 entreprises”, so that should be ok since the average is below 10.
I’m not the owner, just an employee representative, but we were part of the process when we re-evaluated options a couple of years ago, and that fund was quite competitive.
Besides returns, it’s important to check the insurance side: cost and coverage can widely vary. I cannot say about the actual switching since it was handled by an external consultant.
Check with Profond
By far the best pension fund / 2nd pillar provider, they get the high score decade after decade and have great customer service (speaking for both employee and employer side)
Edit: they have a minimum of 10 people, iirc, so just talk to them (and grow the company with young people; they’ll like that)
Which one?
AXA Fondation Prévoyance Professionelle provided 4% last year.
AXA Fondation LPP Suisse romande even more: 5-6% last year.
PS: Ilixio already asked the same above, sorry.
Thanks for your replies.
We have this one from Axa
Performance for the mandatory (obligatoire) 1.25% in 2025
Yeah they have had ok return but really low reserve. Wonder what happened did they fix some structural problems in the past few years?
Once the reserves are rebuilt they’ll be able to redistribute.
I’m in same boat. I’m employed by my own single employee AG company. I went with whatever the treuhand recommended me at time: Zurich Vita classic plan. It’s not the worst one but I’m curious about what are the best alternatives to potentially switch after the initial 5 years lock in period.
I have no idea about your situation. Maybe you got lucky and were offered a great deal. Zurich got fined by Finma for offering too low prices in their Vita products.
You can also check this one out:
Could I also use this as a small company in Zurich? Or is it limited Romandie?