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SME · Legal basis: LPP

Collective LPP: your SME's heaviest (and most negotiable) contract

Interest credited, conversion rate, risk premiums, fees: the 5 criteria that matter.

Updated 5 September 2026 · Information drawn from official legal texts (fedlex.admin.ch), the Federal Office of Public Health (FOPH) and Swiss federal data.

The 5 criteria that really matter

  • Interest credited on assets: mandatory and extra-mandatory parts, the gap is worth tens of thousands of francs over a career.
  • Conversion rate (extra-mandatory part): determines future pensions.
  • Risk premiums and fees: isolate them from the total cost to compare honestly.
  • Funding ratio and solidity of the institution.
  • Available plans: part-time-adapted coordination deduction, executive plans, enhanced savings.
Deadline to watch: LPP affiliation contracts are usually terminable for year-end with 6 months' notice, so the decision to compare happens in the first half of the year.

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📖 Official legal texts: LPP / BVG (SR 831.40) · fedlex.admin.ch

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