Pensionskasse: Sammelstiftungen since Sorgenkind der Aufsicht

Sammelstiftungen – the Sorgenkind der Aufsicht

In the event that the previous time is a collection foundation, the law is being worked on and the wool is being grown. It seems that you are concerned with the interests of the inventors.

Published today at 05:29 am

If you work with the wettbewerb, your interests may arise: Two people are sitting on a bench at the Schiffländi von Stein am Rhein.

Photo: Michael Buholzer (Keystone)

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“That’s a topic of thematics,” writes a pension fund expert. More professionals certainly don’t want to do that or only without the use of a nominal fee. It’s a handful of financial interest in an English industry with generated depreciation. There are sharp reactions to your mandate-lust. The explosive question-lautet: Who will maximize a foundation in the turmoil of the Wachstum and its own profit from Verzacherten?

Law of Happiness

The fundamental problem lies in the Federal Law on Professional Preservation (BVG), which entered into force in 1985. The architects of this legal group thought that they could all have their own pension funds. This interest is not great, other preparatory work is possible. Statistics are the long-term financial stability and the financial financing of the own properties of the head of that fund.

It is a good idea to manage the administrative management of a private pension fund for small and small entrepreneurs. Darauf began the history of the succession of the collective and community institutions. These companies can exclude the management. While the collective institutions of the old companies are based on the anlagestrategie, it is often the case that the community institutions are much more united. In contrast to the company-owned pre-organization institutions, many collective and community foundations are placed in legal tender. They are woolen clothing and new Anschluss Marktanteile win. It is a matter of manchalizing with the Anliegen der Dort-verzekerten Angestellten.

A Beispiel is the Dilution of the Capitals. So it is the rule, that Firmen with a Deckungsgrad of a 100 Prozent an Sammeleinrichtung anschliessen. Der Deckungsgrad said, how we deck the installed Alternative Capital the zukünftigen Renten. Liegt der Deckungsgrad or Sammeleinrichtung höher, verwässert is ich mit der Neuaufnahme. With others Worten: Die bisherigen Versicherten sind die Verlierer, weil das pro Person versügbare Capital sinkt.

«Nicht immer im Interesse der Versicherten»

Therefore, Laetitia Raboud, the director of the Federal Insurance Supervisory Board (OAK), said: “Watch is not always in the interest of the insurers.” A more sensible bet was that the separation in the Praxis complex is sind. A connection with young insurers and small risks can be interesting for a long time. In addition, the costs of the lease agreements depend on the coverage ratios.

If we reject the OAK director on the interesting conflict at collection foundations, the profit-oriented companies can be founded. It is possible that these previous instructions are not carried out, but these can be combined with the insurances or other services, which are one of the consequences of the previous instruction. Note the jewels of the foundation, the sale and most of the own standards.

Collection foundations, backwoods insurance funds, and among others Swiss Life, Baloise, Pax, Axa, Vita and Helvetia. When you notice in the message of the schäftsberichte that the foundation has received a disability benefit, the loss has come to an end. There may be a change in the long-term risks or the teuerung sauce. One of the following rehabilitation work for disability and the majority of small Vorsorgee-inrichtingen is an unerlässliche, whereby disability fall loses the financial stability of the fund.

If a pension fund becomes larger, it is so that we have undergone a single change, while the risks are becoming increasingly greater. So have a Preparatory institution with round 5000 and more Versicherten in der Regeln nüne sückdekung. Of the pension foundations a manche deutlich is larger. If the fragment is like that, it is not so that it is the first time that the verzicherungen are so simple.

The Swiss Life is best designed to ensure that the Versicherungsgesellschaften gegründeten Vorsorgeeinrichtungen «in the rule of a very versatile Rückdeckung» are adapted. If you see the functional law claim, in the knowledge of another part of the versicherungsgesellschaften, the tendency is to reach a higher level of Security. Der Entscheid über een ganze or een teilweise Rückdeckung obliege letztlich dem Stiftungsrat a Vorsorgeeinrichtung, in dem the Versicherungsgesellschaft nicht vertreten sei.

The Eidgenössische Oberaufsichtskommission (OAK) has now developed a handlong play space, an interesting conflict of interest among Sammel- and Gemeinschaftseinrichtungen for underbinding. Dennoch hat sie in de vergangen Jahren follows Schritte eingeleitet:

With a few things a new category for the definition of «Vorsorgeeinrichtungen in Wettbewerb» has been defined. Damit will bring more Transparenz to the OAK.
She has raised the Verzinsungsobergrenze for collective and community signaling facilities. If all goes well, the law-assertion is a fact, the certainty of the Vorsorggelder can be solved. This divorce is unnoticed, but can cross a spine. It is time to let the OAK work with changing activities.
A continuation on the following pages is the following: Einschränkung von Geschäften mit Nahestehenden, de Beurteilung von Risiken und Mindestanforderungen and de Aufsichtstätigkeit. (ki)

Another punk is work and marketing. Who wants to grow, must invest more – that is money, that in the end the insured fails. An excellent functioning of the functioning is best with the intestines. In competition it can be a private right that collection facility can be made, bad numbers out of necessity. It is not possible to make a big chance, but it is an interesting game and a different knife. If you suffer from financial stability for a long time, it is important that the insured are given priority.

The pressure rises, because brokers can combine other foundations with a bad cover grade. If you use the Wettbewerb, you can earn for all your money if an association is established with another foundation. Here a financial compensation is given: if the broker is the best insurer or the best broker, how high is the brokerage then? The last thing is if you use the insurance broker of your hear, who only rarely deal with the robbers’ guarantees and are in this area of expertise quite incompetent.

A small black mark is given to the names in the industry. It is a construction that, if you sell the founder of the collection foundation a large amount, a comparatively small service – thereby running in businesses with neighbours. Once it has happened, the criticism in the industry will be one of the major problems.

Please note: It is important to differentiate. All preliminary repairs must be carried out individually. Many collective and community foundations work very well. When using the solution, it is not wise to take a risk that is not excluded. It is a question of industry-related or of the most common verwalting.

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Bernhard Kislig is an Editor in Ressort Wirtschaft der Zentralredaktion des Tages-Anzeigers. There is savory Fragen zu Geld en Recht. More info@berrkii

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