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Retirement
Throughout the period of affiliation of an insured person to a pension scheme, his/her contributions and the contributions of his/her employer are paid into an individual retirement account. The balance of his/her account is referred to as “retirement savings”. It may be paid as a…
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Disability, death
In the event of the death of a member (active insured member or retiree), the spouse or civil partner is entitled to benefits as the surviving spouse. His/her children are also entitled to an orphan’s pension. This is also the case if the member becomes…
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Vested benefits
Transfer to the new scheme When an insured person leaves Patrimonia for a reason other than disability, death or retirement, he/she is entitled to a vested termination benefit that is equivalent to the entire pension capital accrued by the insured person. If an insured member leaves…
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Voluntary Contribution
The purpose of the Voluntary contribution is to fill the gaps in the future pension benefits of the insured member due to missing contributions or to a salary increase during his/her career. Upon joining the Fondation Patrimonia or even during the membership, insured persons may…
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Home ownership
As home ownership is regarded as a type of pension provision, each insured person may use his/her pension assets to purchase real estate or to repay a mortgage. The insured person may benefit from this measure in one of two ways: early payment and a…
Responsible and committed investments
Our investment strategy aims to be responsible and committed. Based on the real economy, far from the speculation of financial markets, it incorporates environmental, social and good governance criteria.