A financially strong pension foundation
By affiliating with a specialised, extremely financially strong foundation, we can guarantee an enveloping conversion rate of 6.8 % for 2026 – on the entire retirement assets.
Worked example
What 2.1 percentage points make over a lifetime in retirement.
The conversion rate determines what share of your retirement assets is paid out to you as a pension each year – for life. Set your assets and compare 6.8 % with today's market standard.
Illustrative calculation. The actual pension depends on your individual retirement assets and the regulations of the pension foundation.
CHF 200'000CHF 3 million
Annual pension · RM solution 6.8 %CHF 136'000
Annual pension · market standard 4.7 %CHF 94'000
Additional pension per year
+ CHF 42'000
every year, for life
Over 20 years of retirement
+ CHF 840'000
calculated without interest
The starting point
Why 6.8 % – when the market is at 5 %.
The statutory minimum conversion rate of 6.8 % applies only to the mandatory portion. In the extra-mandatory portion – where, for high salaries, the largest part of the assets lies – many pension funds have long been at 5 % and lower. For those born 1961–1966, 2026 opens up an exception.
Enveloping instead of mandatory only
The rate applies to both your mandatory and your extra-mandatory assets. Exactly where other pension funds cut back, your pension stays at 6.8 %.
Guaranteed interest until conversion
Until retirement, your capital earns interest of more than 3 % per year – guaranteed and independent of financial market volatility.
How to activate the advantage
Four months of assignment. A lifetime of pension.
Access is via a payrolling assignment with RM Group before your ordinary retirement date. We take care of the legal and administrative structuring.
01
Confidential analysis
We review your year of birth, your retirement assets and your planned retirement date – discreetly and without obligation.
02
Secure an assignment
You acquire a client for an assignment of at least four months. We structure the assignment as payrolling employment with RM.
03
Transfer your assets
As an employee of the RM Group, we securely transfer your existing BVG assets into the target solution – with over 3 % interest until conversion.
04
Retirement at 6.8 %
Your entire retirement assets are converted into a lifelong pension at 6.8 % – at 60, at 5.8 %.
Who it is for
For experts shortly before retirement.
- Born 1961 to 1966 – ordinary retirement in 2026 or the following years
- Contractors, self-employed professionals and executives with substantial retirement assets, particularly in the extra-mandatory portion
- One more assignment ahead – at least four months with a client, handled through RM payrolling
- Pension rather than capital – anyone who wants to draw all or part of their assets as a lifelong pension
Frequently asked questions
The conversion rate, explained briefly.
The key terms and conditions – so you come well prepared to your conversation with us.
What is the conversion rate?
The percentage at which your retirement assets are converted into an annual pension on retirement. With assets of CHF 1 million, 6.8 % yields a pension of CHF 68'000 per year, 4.7 % only CHF 47'000 – for life. The rate is therefore the biggest lever for your pension, bigger than any interest in the final contribution years.
What does ‘enveloping’ mean?
The statutory minimum rate of 6.8 % applies only to the mandatory BVG portion (salary up to CHF 90'720). For the extra-mandatory portion – for experts with high salaries, the largest part of the assets – pension funds may set the rate freely, and today most do so at 5 % or less. Enveloping means: 6.8 % on the entire assets, mandatory and extra-mandatory.
Why is a four-month payrolling assignment required?
Access to the pension foundation is via employment with the RM Group. This requires a genuine assignment with a client of at least four months before your ordinary retirement date. You acquire the client; we structure the contract, employment, salary and the transfer of your BVG assets.
Does the rate also apply to early retirement?
Yes. On retirement at 60, the conversion rate is 5.8 %, at 65 it is 6.8 %. By comparison: with many pension funds the rate at 60 is well below 5 % – if early retirement with a pension is possible at all.
What happens to my assets until retirement?
Until conversion, your capital earns interest of more than 3 % per year – guaranteed and independent of financial market performance. With CHF 2 million, that is more than CHF 60'000 per year.
How long is the offer valid?
The arrangement has been adopted in the regulations for 2026 but may be limited in time. Because the assignment must be running four months before retirement, we recommend having the conversation early in the year.
What does it cost me?
The usual payrolling fee per hour worked, stated openly – as with every assignment through RM. No commissions or additional costs are charged on your pension assets. The confidential analysis is non-binding.
Discreet. Personal. 2026.
In a confidential conversation, our payroll team shows you how we implement the solution for your situation – and what it means for your pension in concrete terms.