Pension Foundation

• Set up one or more customised pension funds supplemental to those already existing and separate from any other pension funds affiliated with the Foundation
• Set up one or more customised pension funds supplemental to those already operating within Elite Pension Foundation and Elite Foundation 1e
• Avoid any cross-financing between the current pension fund and that set up within the Foundation
• Foster loyalty from some or all of your employees (staff, managers, executives, self-employeds, business owners)
• Create different groups within your workforce (staff, managers, executives, self-employeds, business owners)
• Develop one or more flexible, customised pension plans for each group, which can be modified throughout the year and are fully compatible with the existing plan(s)

• Free choice between linear and age-based savings, risk coverage levels and fee pricing depending on your pension fund structure
• Access transparent, predetermined costs adjusted in accordance with the estimated assets of your pension fund
• Control or even reduce your costs within your current budget while maintaining equal or higher benefits, or by setting a specific budget
• Advantageous premium rates for death and disability risks, often significantly lower than those charged in the private sector for equivalent benefits
• Settle the Foundation's operating costs by invoicing the employer and thus reducing the tax burden, rather than by charging them to pension assets
• By occasionally investing a little bit more, you are choosing transparency, peace of mind, and the long-term sustainability of your scheme

• Select your asset manager from among the Foundation’s partners
• Define an asset management profile tailored to the affiliated groups, and implement the corresponding investment strategy
• Benefit from the higher returns inherent to your pension fund, with equity weightings of up to 85% of pension fund assets
• Allow members to obtain mortgage loans from the pension fund for the purchase of a property

Reduce the tax burden on your business or legal entity:

• By paying your savings and risk contributions from 50% to 100%
• By making voluntary or mandatory contributions, as purchases of contribution years, on behalf of your employees
• By making payments into the investment fluctuation reserves, calculated in accordance with the selected investment strategy
• By paying up to five times the employer's share into the employer contribution reserves

Reduce your tax burden of that of a member:

• Enhance ordinary or early retirement benefits through voluntary purchases of contribution years, often higher than permitted in other solutions
• Through income tax relief on returns on investment, and wealth tax exemptions for pension assets

Reduce the tax burden on pension assets:

• On lump-sum benefits, if withdrawals can be made in different years
• On death benefits paid as a lump sum rather than as a pension to surviving spouses or life partners
• Paid to one or more designated beneficiaries

• Benefit from substantial retirement savings capital, a life-long annuity for one or two people, with or without repayment upon the death of the pensioner or surviving spouse, or combine these options at your discretion
• Plan for partial or full early retirement from the age of 58, or deferred retirement until the age of 70, with an immediate or deferred lump-sum benefit or pension
• Plan ahead to use your pension assets for the purchase of your own home, either by way of lump-sum withdrawals or pledging
• Plan ahead to use your pension assets to reduce the mortgage loan on your property
• Plan ahead to use your pension assets to start your own business
• Plan ahead to use your pension assets to move abroad

• Guarantee the continuity of benefits under previous coverage of death and disability risks
• In the event of disability, guarantee full payment of accrued pension assets, either upon recognition of the disability (in absence of a disability pension), or at retirement
• In the event of death, guarantee full payment of accrued pension assets to entitled beneficiaries, in addition to pensions converted into lump-sum benefits (spouse or life partner) or survivors' pensions (orphans)

• Exercise extensive control over your pension assets by designating your beneficiaries at your near total discretion, a flexibility rarely offered by conventional solutions
• Exploit the fact that your pension assets are not included in the succession or bankruptcy estate

• As a business owner, optimise the distribution between salary, bonus, and dividends, in particular by developing a customised pension strategy
• Prepare and facilitate the transfer or sale of your business or legal entity, in particular by developing a customised pension strategy
• Rely on clear regulations that are promptly updated (within a few weeks or months, rather than years) in the event of changes in legislation

For members

• Simplify the management of your benefits thanks to a digital portal available 24/7
• Anticipate your financial needs with the help of intelligent customised tools
• Easy access to your pension data via a secure platform
• Optimise your benefits decisions with accurate individual simulations

For employers

• Simplify your administrative procedures by optimal management via a digital portal
• Automate your pension provision processes and eliminate human error
• Easy access to information about the investment of your pension fund’s assets via ebanking on a secure platform
• Facilitate communication with your employees via a dedicated digital platform
• Save time in HR management thanks to reliable intuitive digital tools

For members

• Ensure your personal data are processed in compliance with the new Data Protection Act
• Protect your sensitive data with high security standards
• Access your documents securely through an encrypted and reliable portal

For employers

• Ensure the security of data exchanges between your company and the Foundation by means of advanced cybersecurity technologies
• Consolidate team confidence through data protection and security

No solution is perfect: we set ourselves apart by being transparent ,even about any less advantageous aspects

Therefore, you will not be able to:

• Set up a pension fund systematically open to all employees, which often only benefits a minority
• Obtain retirement pensions with high conversion rates; the Foundation’s pensions are calculated on an individual basis
• In the event of a change in health status, be guaranteed higher than existing death and disability coverage, or death and disability coverage recalculated to your advantage
• Take full advantage of the potential of a customised solution, designed outside standard parameters, without devoting a minimum amount of time or interest to it
• Access the comprehensive insurance system that certain insurers are able to offer

If any of the above situations apply to you, we will be happy to recommend alternatives, even if this means referring you to a competitor.