Pension

Pension solutions built around your people.

Senior men playing tennis

The decisions you make about your pension scheme today will shape your employees’ lives for decades to come. With Howden, you’ve got a team that combines decades of expertise with genuine personal care and treats every client as if they’re the only one.  

A partner who knows you 

Our pension team, made up of experienced specialists across all our Swiss offices, doesn’t just look at your numbers. We look beyond them. Because the better we understand your business, your people and your constraints, the better the advice we can give. When your situation changes, we’re already ahead of it. When you call, you speak to someone who actually knows you.

Finding what others walk past

Most SMEs in Switzerland assume their pension scheme is well set up. Our experience shows otherwise: in nine out of ten cases, we find room to improve. We dig into your existing coverage, spotting gaps and mismatches, benchmarking your terms against the market, and turning what we find into recommendations you can act on. We love this work. And our clients feel it. 

 

Less on your HR team’s plate

Day-to-day pension administration takes time and resources your HR team doesn’t have. We step in wherever you need us most. We also work directly with your pension committee by preparing agendas, drafting decisions, and making sure members have the training they need to act with confidence and legal certainty.

Full transparency, year after year 

Our mandate comes at no additional cost to you. We’re remunerated by the pension providers, and we disclose our fees in full every year. You know what we earn. You see what we deliver. And because our mandate is terminable at any time, we have to earn your trust every single day. That’s exactly how we like it.

Advice for your employees 

Pension planning is personal. Each of your employees has their own situation, their own questions and their own timeline. We offer individual consultations on retirement planning, buy-in potential, and executive pension models. Your people get expert, high-quality support. And so do you.

350+ SMEs

pension schemes managed 

40+ years

of pension expertise 

100%

fee transparency 

Is your pension scheme really working?

In nine out of ten cases, we find room to improve.

Contact us