Investments
At the GEMINI Collective Foundation, you choose the investment strategy that best fits your company’s situation.
The right investment strategy for your company
At the GEMINI Collective Foundation, your company can choose between four investment strategies (pools) with different equity components. All strategies are broadly diversified. If your pension assets exceed CHF 10 million, you can determine the investment strategy and the asset manager yourself.
Our broadly diversified, long-term-oriented investment strategies ensure we can cushion any short-term fluctuations in the capital market. The goal? Stable income year after year for you and your employees in the form of interest payments.
The advantages at a glance:
Choose between four investment strategies (pools) and change your strategy twice a year free of charge.
You can also use a mix of pools, depending on your requirements.
Create your investment strategy starting from pension assets of CHF 10 million and implement it with your own asset manager, if you prefer.
Benefit from lower administrative costs through joint investment with other companies.
Create an individual investment strategy
If your company has pension assets of more than CHF 10 million, you can determine your investment strategy and the asset manager yourself.
Our four investment strategies compared
GEMINI Pool 25
- Required value fluctuation reserve
- Mandatory10,1%
- Non-mandatory8,8%
Information
With an equity share of 25%, the GEMINI 25 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.
GEMINI Pool 35
- Required value fluctuation reserve
- Mandatory11,9%
- Non-mandatory10,5%
Information
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.
GEMINI Pool 50
- Required value fluctuation reserve
- Mandatory15,5%
- Non-mandatory14,1%
Information
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.
GEMINI Pool 0
- Required value fluctuation reserve
- Mandatory5,3%
- Non-mandatory4,0%
Information
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.
GEMINI Pool 25
- Required value fluctuation reserve
- Mandatory10,1%
- Non-mandatory8,8%
Information
With an equity share of 25%, the GEMINI 25 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.
GEMINI Pool 35
- Required value fluctuation reserve
- Mandatory11,9%
- Non-mandatory10,5%
Information
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.
GEMINI Pool 50
- Required value fluctuation reserve
- Mandatory15,5%
- Non-mandatory14,1%
Information
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.
GEMINI Pool 0
- Required value fluctuation reserve
- Mandatory5,3%
- Non-mandatory4,0%
Information
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.
Cost-effective asset management
GEMINI invests affiliated company assets collectively and ensures cost-effective asset management thanks to a high overall volume. Furthermore, GEMINI implements its investment activities with institutional funds and organises them in its own, separate fund solution.
Sustainability criteria in our investments
Find out more about the criteria we use to implement sustainability in our investments.
Christoph Hilti,
Investment Specialist, GEMINI Collective FoundationWhen selecting products and asset managers, we incorporate ESG aspects without compromising on pension provision targets such as returns, risk spread and diversification. Our committees regularly consider sustainability aspects and actively integrate ESG into the decisions they make.
Christoph Hilti, Investment Specialist, GEMINI Collective Foundation
Returns of our investment pools
Compare the performance of our four investment pools over different time periods.
Please contact us if you have any questions
Karlo Barac
Head of Sales
Tel. +41 58 585 82 60vertrieb@gemini.chOur Investment Regulations
Key figures
Stay true to your own investment strategy