The GEMINI Collective Foundation offers a suitable investment strategy for every company.
The GEMINI Collective Foundation offers your company a choice of four investment strategies (pools) with different equity quotas. All investment strategies are broadly diversified. Companies with pension assets of CHF 10 million or more are free to choose their own investment strategy and asset manager.
The employee benefits unit selects the pool on the basis of its risk tolerance.
Returns are determined by the performance of the pool, taking into account the individual capital flows of each employee benefits unit.
The pension fund committee sets the effective interest rate on savings capital in the current year.
Our broadly diversified, long-term investment strategies mitigate short-term fluctuations on the capital market and generate long-term stable returns that are credited to you and your employees in the form of interest. Thanks to a balanced mix of equities, real assets and alternative investments, a solid return can be expected in the long term.
Thanks to its exclusion of equities and its substantial weighting in Swiss real estate, the GEMINI Pool 0 investment strategy focuses on stability and risk minimisation.
With an equity share of 20%, the GEMINI 20 investment strategy is suitable for employee benefits units with low, or no, value fluctuation reserves. Sufficient long-term returns in excess of the BVG minimum interest rate are achieved at low risk.
Employee benefits units without BVG minimum interest requirements, or those with a higher risk carrying capacity, may choose the GEMINI 35 investment strategy with a strategic equity share of 35%. Its long-term return potential, which is significantly higher than the statutory minimum interest rate, goes hand in hand with a moderate risk.
The GEMINI 50 investment strategy with a strategic equity share of 50% is suitable for employee benefits units with a very high risk carrying capacity. Accrued reserves offset fluctuations in returns and allow the unit to achieve excellent returns in the long run.
Asset management costs are low thanks to the substantial overall volume resulting from GEMINI’s pooling of the affiliated companies’ assets. On top of this, GEMINI invests through institutional funds and uses a dedicated fund solution to manage investments. This also helps keep costs down and ensures greater transparency and flexibility for the clients.
