Which is the right pension fund for our company?

A company’s choice of pension fund is a very important decision. That is why it is a good idea to carefully consider the issue, ideally drawing up a list of criteria.
The various factors are weighted differently depending on the needs of both the employees and the employer:

  • If the focus is on costs, for example, the key factors are the risk premiums and administration costs. 
  • By contrast, if the retirement benefits are most important, the applicable conversion rates are more decisive. 

Nowadays, the main factor for many companies is the relationship between the capital guarantee and the opportunity for returns.

The individual criteria can change over time. That is why it is even more important that companies regularly review their pension fund benefits and model, for example by taking a free-of-charge pension fund check.


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