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I run a small but high-value business and am considering getting cadre insurance for my employees to streamline their pension savings. Would you recommend this insurance?
Hi there,
An executive pension plan or "cadre insurance" can be worth getting if your employees earn significant bonuses because contributions to your standard 2a pension fund are based on fixed salaries only and do not account for bonuses.
If your employees earn exceptionally high salaries, an executive pension plan can help them to use the 2a retirement savings category to its full potential - both from a retirement saving and tax perspective.
Pay careful attention to premiums charged in relation to the portion of contributions which builds equity. If the executive pension plan offered by your pension fund is not competitive, or if your pension fund does not offer this service, you may be able to get executive pension plans from another service provider. Consider requesting multiple quotes and comparing costs and benefits.
Best regards from Moneyguru
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