I am self-employed and have a Pension Fund (2nd pillar at Nest) for me and my employees plus a second pillar for myself (at Axa they call it Kaderplan) which basically insures me for most of my invalidity and death risks. (I wouldn’t do it like that anymore, but I can’t really change anything in the short term for another 2 or 3 years.
Since my Kaderplan and my regular 2nd pillar are at different companies, I can compare a bit the benefits.
Interest rates for 2020
- 1.5 % at Nest, they give interest also on the contributions during the year, on both Obligatorium and Überobligatorium (régime surobligatoire).
- 2 % at Axa, but they only gave interest on the amount that was present at the beginning of the year. This one is Überobligatorium anyway.
- Nest: none
- Axa: Access to Swibeco shopping platform with a lot of cool discounts (like 7 % on everything at Coop)
I guess that at some point I can change the Pensionskasse.
The question is, what other option there is. Of course I’d like one with more interest.
Do you know a Sammelstiftung (which insures lots of small companies) that has better benefits, interest rate wise?
Any of you have experiences as self-employed or otherwise?