What is offered by Collective Foundation Opsion

Advantages

• Outsourcing of the decision-making process

• Pooling of risks with other companies

• Choice of pension plan(s) (with the possibility of creating a plan for managers only)

• Strong-growing fund, favourable age structure with positive cashflows, which allows for a greater restructuring potential and offers a long-term investment horizon

• Choice of a higher conversion rate than that of the joint pension fund if additional financing is paid in

What is offered by Opsion Joint Pension Fund

• Competitive prices Reduce your costs thanks to our attractive premiums and low administrative costs, due to our efficient management processes and a web portal for processing data.

• Choice Define your pension plan with the help of your broker or our advisers and then let us take care of all the related administrative tasks.

• Pooling Benefit from the advantages of integrating your employees into a larger workforce to facilitate the management of financial and longevity risks.

• Security Join a secure and sustainable solution that will support you in all the stages of your company's development.

Key Information

• Identical risk premium for all insured employees of a group

• Average remuneration over the last five years: 2.05%

• Conversion rate of 6% on all assets

• An ESG charter for sustainable investments

• Balanced asset allocation

• Download
  Key figures as at 30.09.2023

Advantages

The individuals insured have their own pension fund and will enjoy dynamic and efficient asset management tailored to their needs, with attractive management costs.

The asset management (strategic allocation and financial provider) is chosen by the Pension Committee and applies to the entire insured group.

Results:

• An above-average return on the excess portion of occupational pension assets
• Higher tax deductions for the company and its employees

Strengths of Opsion Free

• Freedom
  You choose the investment strategy and pension plan that suits you.

• Performance
  The return on assets is allocated to retirement assets (and is not used to fund provisions).

• Attractive taxation
  You increase the insured persons’ ability to buy into the plan and the company's tax deductions thanks to the employer's contribution reserve or the value fluctuation reserve.

• Security
  The annual returns on your assets are acquired and the value fluctuation reserve protects you from a possible loss of capital when you leave the Fund, unlike the plans 1^e.

Advantages

• Access to a pension fund specially designed for newly established companies.

• Benefit from an attractive rate to help you get started.