The 1e solution has many advantages for both the employer and employees:

For the employer:

• An attractive pension solution that help companies retain executives and qualified staff members over the long term.
• A genuine defined-contribution (DC) system, providing certainty that the company will not have to pay more than its regulatory contribution and its contribution to costs.
• No risk of undercoverage nor recovery contributions
• A reduction of balance-sheet liabilities according to IFRS / US GAAP accounting standards.

For the employees:

• Assessment of employees' investor profiles via a questionnaire.
• A range of investment strategies based on different risk levels.
• The ability for employees to adjust their personal investment strategy on a regular basis.
• Investment returns attributed to employees in full, resulting in the prospect of better long-term performance.
• No redistribution of investment income and no contributions to joint provisions.

Each affiliated company can choose between:

1. Joining our 1e muti-employer solution, whose Pension Committee consists of four members of the FCT 1e's Board of Trustees. This Pension Committee has selected 10 investment strategies that are available to the employees of affiliated companies. As a company affiliated to our joint solution, you don't have to worry about aspects relating to the Pension Committee, allowing you to focus on your core business while benefiting from an attractive occupational benefits solution.
2. Having its own 1e Pension Fund and Pension Committee. The Pension Committee is not necessarily a joint committee, but includes at least one representative of the insureds. The Pension Committee may select up to 10 investment strategies to be offered to the company's employees.

The FCT 1e Board of Trustees is the highest governing body, and ensures compliance with regulatory and statutory requirements.

Depending on the regulatory framework, affiliated companies may offer insureds up to 10 investment strategies, including at least one low-risk strategy.

The affiliated company is supported by investment experts from the FCT 1e in defining and implementing investment strategies. The FCT 1e offers three different models:

• 17 turnkey strategies (selected strategies) that are easy to implement and deliver attractive performance depending on the risk level.
• Access to a range of investment funds managed by top-tier providers. The funds are selected and tracked by the FCT Group, which negotiates attractive rates. The affiliated fund can then put together its own investment strategies by selecting from the available funds (personalised strategies).
• Adoption of custom investment solutions with the support of your own investment consultant.

The Pension Fund's Pension Committee defines its supplementary occupational benefit plan(s) by selecting:

• Saving contributions: the Pension Committee can define its own scale of saving contributions, which will go towards building its employees' retirement savings capital.
• Risk benefits (covering death and disability risks): companies can adjust risk benefits paid in the event of death or disability, providing employees and their relatives suitable coverage should the unexpected occurs.
• Financing method: companies can determine how their occupational benefit plan will be financed, i.e. the proportions funded by the employer and by the insureds themselves.
  

All insureds can then, after defining their investor profile via a questionnaire, select their individual investment strategy for their retirement savings capital, while enjoying the advantageous pricing terms arising from professional collective asset management.

The death and disability benefits of the occupational benefit plan selected by the company are fully covered by reinsurance.

Reinsurance is provided by a renowned insurance company that is regulated and supervised by FINMA (the Swiss financial market supervisory authority), ensuring that the cover is solid and reliable.

We currently have a pooled reinsurance contract that covers the risks of several affiliated companies. Our reinsurance cover for 1e solutions is particularly attractively priced compared to the market.

Convinced that the consideration of ESG criteria can represent an additional investment opportunity for affiliated pension funds, the Boards of Trustees of the FCT and the FCT 1e have developed the following guiding principles for its ESG policy in a Responsible Investment Charter the daevelopment of an ESG investment range that fulfils the needs and expectations of the affiliated companies and their insureds to inform affiliated companies and insureds openly and transparently about the ESG options available to them in order to facilitate the consideration of these dimensions when defining their investment strategy and finally be actively engaged as an investor and promote best practice in corporate governance.