Companies offer Caveo as a benefit to their executive management and senior staff, for example, when implementing a 1e plan. Their key personnel receive a financial plan that combines bonuses, employee stock options, a pension fund, and 1e.
How your company benefits
Bonuses, employee stock, pension fund, 1e, Pillar 3a, investment account, and home ownership. Each component can make sense on its own. We make sure they all fit into a single, cohesive plan.
For portions of earnings exceeding CHF 136'080, participants in the 1e plan can choose their own investment strategy. This offers potential returns and tax advantages, but without a guaranteed minimum rate of return.
Do your executives know what their choice in the 1e plan means?
Purchases are deductible from taxable income. With the 1e Plan, you choose the investment strategy yourself. Both options involve time limits and risks.
Is a buy-in worthwhile, and when?
When to sell stocks, how to invest the bonus, and what levels of concentrated risk are acceptable to the employer.
How much of your wealth depends on your employer?
Starting in 2026, contribution gaps dating back to 2025 can be retroactively made up. Having multiple accounts allows for staggered withdrawals.
Are your 3a accounts set up for withdrawals?
Retirement savings, direct or indirect repayment, affordability after retirement.
Is the mortgage right for your retirement income?
Pension or lump-sum payment, bridging until AHV eligibility, order of payments. We'll calculate the options for you.
When will you be able to afford it?
Executive with a stake in the company, age 48, with assets of CHF 1.5 million (including a home and retirement savings), plans to retire at age 56. Without a plan, those assets will be depleted by about age 85. With a plan, CHF 450'000 will remain by age 90.
We'll work with you to determine who is eligible for this offer and how it fits into your retirement plan.
A presentation for senior management and executives, for example, when introducing a 1e plan.
Each key person receives their own financial plan, prepared by a financial planner.
The plan is updated whenever there is a change in salary, retirement plan, or personal circumstances.