Since 1907, Retraites Populaires has made it its mission to make it easier to access pensions. In its role as a corporate citizen, the institution continues to maintain a lasting foothold in the Canton of Vaud, as is shown by its Nyon branch, which opened in 2013. Advisors support clients and companies with pensions, real estate rental and mortgage loans.
Retraites Populaires is a Vaud-based company, specialising in life insurance and occupational pensions. Since it was set up in 1907, the institution has made it its mission to improve access to provident insurance. This is why Retraites Populaires offers Modulo, a flexible solution that can be tailor-made to your needs. The minimum monthly premium for linked pensions is 100 Swiss francs. "If you start saving early and do it regularly, over time, this can grow into a significant amount,"says Milko Mantero, advisor and manager of the Nyon branch.
If, for example, you save CHF100 per month for 40 years at a rate of 2.75%, over the long term you will accrue an accumulated capital of CHF77,800.
A dynamic institution…
Modulo adapts to the rhythms of your life. You put money aside with regular payments, up to the legal maximum amount of 7,056 Swiss francs per year (in 2023). Premiums paid up to this amount can be set against tax. In addition, the amount saved in a third pillar can be used as equity when buying a property.
In just a few clicks, you can now arrange this process online, without the need for an advisor. The online tool “Modulo calculator” allows you to carry out simulations with different amounts.
And it’s local!
Since 2013, Retraites Populaires has had a strong presence in Nyon. The Nyon team deals in provident insurance as well as in real estate rental. "Foresight is at the very heart of Retraites Populaires," said Mr Mantero. “As each situation is unique, we offer tailor-made solutions to individuals and businesses alike. Our customers find security with us, but also an attractive return and guarantees, without taking risks.”
