At our virtual conference on December 6, we discussed the following topics:

• How does the 3-pillar system work?
• How do I decipher my occupational benefits certificate?
• What is a buy-back?
• Should I withdraw my second pillar as an annuity or as a lump sum?
• Can I use my second pillar to buy my own home?
• How much will I receive when I retire?
• How can I optimize my tax situation?

With our specialists:

Nicolas Colozier, Actuary with AVENA - Fondation BCV 2e pilier

Olivier Reymond, Pension Specialist, BCV

Dear Fund member,

On 21 September 2023, the votes for the Pension Board elections were counted.

We are pleased to announce the newly elected members of the AVENA Pension Board for the 2024–2028 term:

Employer representatives

	Dominique Blanchard VCT Vector Gestion SA Director
	Giovanni Chiusano Fiduciaire Fidinter SA  Executive-director
	Yvan Henzer Libra Law SA Executive
	Alexandre Pahud  Fondation Michel Torche  Secretary-General
	François Pugliese ELITE SA CEO
	Catherine Vogt  Hesperia SA CEO

Employee representatives

	Bruno Chappuis European Broadcasting Union Senior Sports Rights Manager
	Cosette Hausammann Protocol SA  Head of Finance and Administration
	Claudine Eveline Imhof Proactif ouvertures Formation Sàrl Joint Head of Digital Training
	Claude Rey FidAlp Audit SA   Swiss Certified Fiduciary Advisor
	Sylvain Rochat Hervest Fiduciaire SA  Director / Certified Tax Expert
	Delphine Saleres-Deney Garden Center Schilliger SA CFO

The new Pension Board was presented at the Fund’s Biennial Conference, which was held at the Olympic Museum in Lausanne on 4 October 2023.

We wish them every success in the coming term.

Our data protection notice

The new law limits how companies may use natural persons’ personal data by strengthening some existing requirements.

We have therefore published a data protection notice, which you can find below.

The notice sets out the principles, processes, and governance structures that we have established at AVENA to meet the requirements of the new data protection law.

If you have any questions, your relationship manager will be happy to assist you.

We invite yout to discover the Foudation's 2022 annual report.

Table of contents

• Message from the Chairman of the Pension Board
• The Fund at a glance
• Information sessions for insured members
• Pension Board
• Fund members
• 2022 economic overview
• Key figures
• Sustainability at AVENA
• Fund holdings
• Balance sheet
• Income statement