Confidential Your contact

Mrs Anna Zrust Eveline Flückiger

056 460 60 99
Poststrasse 14 eveline.flueckiger@futura.ch
8700 Küsnacht ZH

Pension statement as at 01.01.2023

Created on 12.01.2023

Personal details
Surname, first name Zrust Anna Company W4 Services AG
Date of birth 30.01.1998 Policy no. 96871
NI number 756.8456.5088.20 Pension plan Basisplan alle MA
Gender feminine Employment level 80%
Marital status married

Salary details
Declared annual AHV salary 38'400.00 Insured annual LOB salary 12'675.00
Insured savings salary 12'675.00 Insured risk salary 12'675.00

Retirement assets Total

Retirement assets on 01.01.2023 0.00

Estimated retirement benefits

Estimated retirement capital at an interest rate of 1.00%
Conversion rates for statutory retirement: 5.2% mandatory part / 5.2% extra-mandatory part
The retirement pension is at least equal to the LOB retirement pension

LOB Capital Annual old-age

On retirement capital total pension
at age on expiry 64 on 31.01.2062 71'787 71'826 4'882
at age 63 68'817 68'855 4'529
at age 62 65'877 65'914 4'202
at age 61 62'966 63'001 3'899
at age 60 60'084 60'118 3'616
at age 59 57'230 57'263 3'352
The pensioners’ child benefit amounts to 20% of the old-age pension 976

Disability benefits
Annual disability pension 4'169 *
(waiting period 24 months, waiting period contribution exemption 3 months)
Annual children's benefit 834 *
(Waiting period 24 months)

FUTURA Vorsorge · Gass 2 · 5242 Lupfig · Tel. 056 460 60 70 · info@futura.ch · www.futura.ch
Pension statement as at (cont.) 01.01.2023: Zrust Anna

Benefits in the event of death Accident Illness

Spouse’s annual pension 2'502 *
Partner’s annual pension 2'502 2'502
Orphan’s annual pension 834 *
Lump-sum death capital (incl. retirement assets) in addition to spouse’s/partner’s pension ** - *
Lump-sum death capital (incl. retirement assets) if no spouse’s/partner’s pension is due ** 888 888 *
* In the event of an accident, the benefits of compulsory accident insurance are credited. In this case, the restrictions specified in the
regulations apply.
** Fictitious values as at the end of the insurance year. The actual lump-sum death capital payable is calculated as at the date of death.

Purchasing
Possible purchase of contribution years 01.01.2023 0
Possible purchase for early retirement Maximum
at age 63 on 01.02.2061 3'024
at age 62 on 01.02.2060 6'206
at age 61 on 01.02.2059 9'561
at age 60 on 01.02.2058 13'103
Purchases are only permitted after any early withdrawals have been repaid.
The purchase amounts shown are guideline values for each pension plan. Please request an up-to-date calculation before making a
purchase.

Contributions
Employee Employer
Saved amount 444.00 444.00
Risk amount 52.80 52.80
Management fee contribution 150.00 150.00
Security fund contribution 7.80 7.80

Total contribution 654.60 654.60

Monthly contribution 54.55 54.55

Pension fund commission

Ivana Wenzel, Sarah Wilhelm

Additional information
Vested benefits on marriage (12.09.2020) unknown

The pension statement is based on the pension plan and the pension plan regulations, which are legally binding in relation
to entitlement to benefits and payment. This pension statement replaces all previous ones.
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FUTURA Vorsorge · Gass 2 · 5242 Lupfig · Tel. 056 460 60 70 · info@futura.ch · www.futura.ch
Info sheet 2023
The Foundation Board has met for a nal time in 2022. Despite the upheaval
and investment challenges, the year can be regarded as positive. FUTURA will
end 2022 with a funding surplus and can celebrate the foundation’s largest
ever increase in insured parties as it enters 2023.

Conversion rate (CR) from 2025

The CR for the next ve years was published back in 2020. In the interests of transparency, the Foundation
Board has decided to publish the development up to 2027 early. This allows insured parties to continue
making nancial plans in advance.

A slight parameter reduction cannot be avoided due to the ongoing major pension losses when taking retire-
ment. From 2025 onwards, however, this reduction should ease by 0.1 % increments.

Year CR CR CR for BVG comp.

mandatory part extra-mandatory part contrib.

2023 5.8 % 5.6 % 6.8 %

2024 5.6 % 6.8 %
2025 5.4 % 6.8 %
2026 5.3 % 6.8 %
2027 5.2 % 6.8%

These values are shown in your pension statement, which you can generate electronically in the myFUTURA
portal. The conversion rate is irrelevant for full lump-sum withdrawals. A detailed explanation of this key gure
can be found on our home page under ‘Downloads’ (CR leaet). The statutory minimum benets (BVG: 6.8 %)
will, of course, be maintained at all times.

Interest rate 2022

2022 was a consistently bad investment year, with periods of double-digit negative performance, which made
an interest rate increase impossible. The focus is on building reserves back up in the interests of security. In
2022 in particular, the availability of reserves highlighted how important a buffer is when it comes to weather-
ing long-term slumps. The 2022 interest rate for retirement assets was therefore set at 1 %. Unlike the minimum
benet, however, the interest rate will also be applied to voluntary capital to the advantage of the insured
parties. You will be able to see a detailed breakdown of retirement asset development when you generate
a pension statement as of 1 / 1 / 2023 in the portal. If you have lost your login details, please get in touch with
your customer service contact. They will be happy to provide you with a new login.

The Federal Council has left the minimum BVG interest rate for 2023 at 1 %. Therefore, extrapolation of retire-
ment benets will be continued with this value.

FUTURA Vorsorge
056 460 60 70 As unique as you are.
futura.ch
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Investment strategy, coverage ratio and performance

FUTURA’s investment strategy will remain the same in 2023. In volatile times, it is important to stick to the
long-term strategy and not place too much importance on short-term factors. While FUTURA’s performance
was clearly negative in 2022, our coverage ratio always remained over 100 % even during this turbulent year.

Indicatori a ne novembre 2022

3.4 bn. total assets 1510 afliations

106.6 % coverage ratio 23 032 insured parties

– 8.3 % performance 64 years without underfunding

(since foundation in 1958)

Adjustment to pension plan regulations

Updates were made to pension plan regulations. You can nd the updated version on our homepage under
‘Downloads’, valid as of 1 / 1 / 2023.

The key adjustments include:

• Exclusion of a spouse’s pension payment if, at the time of the marriage, the insured party knew they were
suffering from a serious illness from which they died within two years of marriage (Art. 6.2.4)
• A weekly residence recognised for tax purposes is given the same status as an ofcial residence
(in the context of entitlement to a partner’s pension) (Art. 6.3.3)
• Expansion of CR table (Annex 1)

Sustainability
Sustainability is important to us at FUTURA. The management team and the Foundation Board put great em-
phasis on sustainability in 2022 and approved a comprehensive sustainability strategy at the start of December.

FUTURA has set out measures and targets in the following areas:
• FUTURA as an employer
• Securities
• Direct real estate investments

Measures and targets in the area of securities have been veried by the Swiss Climate Alliance (website).
The Swiss Climate Alliance has given FUTURA a ‘light green’ rating. This puts us in the top third of the most
sustainable pension funds in Switzerland (Swiss Climate Alliance report). We are proud of this progress.

We hope we have been able to prove once again that we are the right pension partner to have at your side.
Thank you for placing your trust in us. We look forward to continuing to work together in 2023.

FUTURA Vorsorge
056 460 60 70 As unique as you are.
futura.ch