{"id":24141,"date":"2025-04-29T22:27:27","date_gmt":"2025-04-29T20:27:27","guid":{"rendered":"https:\/\/www.nexova.ch\/accounting\/vollversicherung-teilautonome-pensionskasse\/"},"modified":"2025-10-09T17:37:06","modified_gmt":"2025-10-09T15:37:06","slug":"full-insurance-vs-semi-autonomous","status":"publish","type":"post","link":"https:\/\/www.nexova.ch\/en\/tax-and-legal\/full-insurance-vs-semi-autonomous\/","title":{"rendered":"Full Insurance vs Semi-Autonomous: Which Occupational Pension Model is Right for Your Company?"},"content":{"rendered":"\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h1 class=\"blog-section-title\">Full Insurance vs Semi-Autonomous: Which Occupational Pension Model is Right for Your Company?<\/h1>\n<figure class=\"wp-block-image size-large resp\"><picture><source srcset=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/04\/bubble-piggy-seasaw-v2-1-edited.jpg\" media=\"(min-width: 981px)\"\/><source srcset=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/04\/bubble-piggy-seasaw-v2-1-edited.jpg\" media=\"(max-width: 980px)\"\/><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload wp-image-24064\"\/><\/picture><\/figure>\n\n\n\n<p>In our earlier article, we explored the important topic of <a href=\"https:\/\/www.nexova.ch\/en\/accounting\/right-pension-fund-company\/\">choosing the right occupational pension fund (BVG) for your company<\/a>&nbsp; In this article, we will expand on one critical aspect of occupational pensions for smaller companies\u2014especially SMEs\u2014that do not have their own pension fund: <strong>should they opt for a full insurance model or a semi-autonomous solution?<\/strong><\/p>\n\n\n\n<p>Each model has its own advantages and trade-offs in terms of security, return potential, administrative requirements, and risk distribution. We explore both approaches in detail to help you make an informed decision that aligns with your company\u2019s risk tolerance, financial goals, and long-term planning.<\/p>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-highlights blog-section highlights\"><div class=\"blog-section-wrap\"><div class=\"blog-highlights\"><h2 class=\"section-title\">Highlights<\/h2><ul class=\"higlight-lists\"><li class=\"higlight-list\"><span class=\"higlight-icon\"><\/span><span class=\"higlight-content\"><strong>Full insurance<\/strong> guarantees 100% <strong>security<\/strong>, assumes the risk and reduces administration costs<\/span><\/li><li class=\"higlight-list\"><span class=\"higlight-icon\"><\/span><span class=\"higlight-content\"><strong>Semi-autonomous<\/strong> enables higher <strong>return potential<\/strong> with flexible investment, but involves risk<\/span><\/li><li class=\"higlight-list\"><span class=\"higlight-icon\"><\/span><span class=\"higlight-content\">Full insurance offers <strong>predictable costs<\/strong>, semi-autonomous scores with <strong>cost efficiency<\/strong> and returns<\/span><\/li><li class=\"higlight-list\"><span class=\"higlight-icon\"><\/span><span class=\"higlight-content\"><strong>Administrative effort<\/strong> minimal with full insurance, semi-autonomous requires active <strong>participation<\/strong><\/span><\/li><li class=\"higlight-list\"><span class=\"higlight-icon\"><\/span><span class=\"higlight-content\">More SMEs are opting for <strong>semi-autonomous<\/strong> pension solutions due to low interest rates<\/span><\/li><\/ul><\/div><div class=\"blog-content-list\"><h2 class=\"section-title\">Content<\/h2><ul class=\"content-lists\"><li class=\"content-list\">Full Insurance vs Semi-Autonomous: Which Occupational Pension Model is Right for Your Company?<\/li><li class=\"content-list\">Highlights &#038; content<\/li><li class=\"content-list\">Understanding the Swiss occupational pension system<\/li><li class=\"content-list\">Full insurance model<\/li><li class=\"content-list\">Semi-autonomous solutions<\/li><li class=\"content-list\">Comparative analysis: weighing the options<\/li><li class=\"content-list\">Making the right decision for your company<\/li><li class=\"content-list\">Trends in the Swiss pension fund market<\/li><li class=\"content-list\">Practical guidance for SMEs<\/li><li class=\"content-list\">Summing it up: the balance between security and growth<\/li><li class=\"content-list\">How can Nexova help your company structure its occupational pension scheme?<\/li><li class=\"content-list\">FAQ<\/li><li class=\"content-list\">That\u2019s what our customers say<\/li><\/ul><div class=\"more-button\"><span class=\"qicon q-arrow-down\"><\/span><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h2 class=\"blog-section-title\">Understanding the Swiss occupational pension system<\/h2>\n<figure class=\"wp-block-image size-large resp\"><picture><source srcset=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/04\/puzzle-piggy-bank-1-edited-1.jpg\" media=\"(min-width: 981px)\"\/><source srcset=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/04\/puzzle-piggy-bank-1-1900x951.jpg\" media=\"(max-width: 980px)\"\/><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload wp-image-24091\"\/><\/picture><\/figure>\n\n\n\n<p><strong>The Swiss occupational pension system (BVG),<\/strong> commonly known as the second pillar, plays a critical role in supplementing the first pillar (state pensions). It aims to help ensure employees maintain their standard of living after retirement, as well as providing disability and death benefits.<\/p>\n\n\n\n<p><strong>BVG is mandatory for employees earning over CHF 22,680 annually (as of 2025)<\/strong>, and optional for employees earning under this threshold and for self-employed individuals. Employers and employees share the contributions, with employers being legally obliged to contribute at least 50%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Collective foundations for smaller companies<\/h3>\n\n\n\n<p>Smaller SMEs that are not in a position to manage their own pension fund often join a <strong>collective foundation<\/strong>. These occupational pension schemes are typically managed by private insurance companies, community schemes, industry groups or professional associations. They pool contributions from multiple employers, allowing companies to benefit from shared expertise, lower administrative costs, and diversified investment strategies.<\/p>\n\n\n\n<p>Within this framework, employers must choose between <strong>two main management models:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Full insurance model:<\/strong>&nbsp;All contributions are channeled into an insurance product with a conservative investment strategy. The insurance company manages the investments and guarantees all benefits, including both the retirement savings and risk-related benefits such as disability and survivors&#8217; pensions.<\/li>\n\n\n\n<li><strong>Semi-autonomous solution:<\/strong>&nbsp;The pension fund or collective foundation manages investments independently while only insuring the risk benefit portion (i.e., disability and survivors\u2019 pensions). This results in a greater equity component and exposes the employer and employees to some market risk.<\/li>\n<\/ol>\n\n\n\n<p>You can find out more about pension options for the self-employed here: <a href=\"https:\/\/www.nexova.ch\/en\/accounting\/pension-fund-sole-proprietors-self-employed\/\" target=\"_blank\" rel=\"noreferrer noopener\">Pension fund for sole proprietorships and self-employed persons<\/a><\/p>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h2 class=\"blog-section-title\">Full insurance model<\/h2>\n<figure class=\"wp-block-image size-large resp\"><picture><source srcset=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/04\/medieval-armour-piggy-bank-1-edited-1.jpg\" media=\"(min-width: 981px)\"\/><source srcset=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/04\/medieval-armour-piggy-bank-1-1900x950.jpg\" media=\"(max-width: 980px)\"\/><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload wp-image-24093\"\/><\/picture><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">How does a full insurance model work?<\/h3>\n\n\n\n<p>In a full insurance pension model, <strong>the employer and employee contributions are paid into an insurance product.<\/strong> The insurance company then assumes full responsibility for managing these funds, guaranteeing both the retirement savings and the associated risk benefits\u2014such as disability and survivors\u2019 pensions.<\/p>\n\n\n\n<p><strong>The key feature of this model is the complete security it provides<\/strong>, as the insured amount is always 100% guaranteed irrespective of market fluctuations. This means the employer and employees are not exposed to any of the investment risk.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Key advantages of full insurance<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Risk mitigation:<\/strong> The insurer takes on all the investment risks, meaning employees\u2019 future pensions are fully protected from market volatility. This complete risk coverage is particularly attractive for companies that prioritize financial predictability and security for their employees.<\/li>\n\n\n\n<li><strong>Guaranteed benefits:<\/strong> Since the insurance company guarantees the benefits, there is no chance of underfunding. Employees are assured of receiving the promised retirement savings and associated benefits, regardless of the performance of financial markets. This enhanced predictability makes it easier to plan for retirement.<\/li>\n\n\n\n<li><strong>Simplified administration:<\/strong> With the insurer in full control, companies have minimal administrative involvement. This can be especially beneficial for smaller enterprises that do not have the resources to manage complex pension fund operations.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Potential downsides of full insurance<\/h3>\n\n\n\n<p>Despite its high security, the full insurance model comes with certain limitations:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Lower return potential:<\/strong> Because insurers must invest conservatively\u2014typically with an equity component of less than 5%\u2014the returns on the pension fund are modest. This means that while the benefits are secure, the interest paid on retirement savings may only just exceed the statutory minimum.<\/li>\n\n\n\n<li><strong>Higher costs:<\/strong> The cost of insuring the full range of risks is reflected in higher administrative fees and premium charges. These additional costs can further erode the return on retirement savings that would have otherwise been achieved with a more flexible solution.<\/li>\n\n\n\n<li><strong>Limited flexibility:<\/strong> The strict regulations governing full insurance solutions limit the ability to alter the investment strategy. For companies that desire a more active role in investment decisions or wish to take advantage of favorable market conditions, the lack of flexibility is an issue.<\/li>\n<\/ul>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h2 class=\"blog-section-title\">Semi-autonomous solutions<\/h2>\n<figure class=\"wp-block-image size-large resp\"><picture><source srcset=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/04\/glass-piggy-coins-1-edited-1.jpg\" media=\"(min-width: 981px)\"\/><source srcset=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/04\/glass-piggy-coins-1-1900x950.jpg\" media=\"(max-width: 980px)\"\/><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload wp-image-24095\"\/><\/picture><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">How do semi-autonomous solutions work?<\/h3>\n\n\n\n<p>Semi-autonomous pension solutions offer a different approach. In this model, <strong>the pension fund manages the investment portfolio independently<\/strong>, while an insurance component covers specific risks such as death and disability. The retirement capital, however, is invested directly in the financial markets. <strong>This approach offers the potential for higher returns <\/strong>if market conditions are favorable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Key advantages of semi-autonomous solutions<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Higher return potential: <\/strong>The primary benefit of a semi-autonomous model is its potential for higher interest on retirement savings. With a more aggressive investment strategy, companies and employees can benefit from the upsides of market performance.<\/li>\n\n\n\n<li><strong>Flexibility in investment strategy: <\/strong>Unlike the full insurance model, semi-autonomous solutions allow the pension fund\u2019s board of trustees\u2014comprising elected representatives from affiliated companies\u2014to tailor the investment strategy. This can enable companies to respond more dynamically to market opportunities and risks.<\/li>\n\n\n\n<li><strong>Cost efficiency: <\/strong>Generally, semi-autonomous models have a more attractive price-performance ratio. Lower administrative and insurance costs can result in a more cost-effective pension solution and thereby enhance retirement benefits for policyholders.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Potential downsides of semi-autonomous solutions<\/h3>\n\n\n\n<p>While semi-autonomous solutions offer the potential for higher returns, <strong>there are some important risks to consider:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Exposure to investment risk: <\/strong>Unlike full insurance, the semi-autonomous model exposes the retirement capital to market fluctuations. This means that if the financial markets underperform, the retirement savings of employees could suffer.<\/li>\n\n\n\n<li><strong>Risk of underfunding: <\/strong>In adverse market conditions, there is a possibility that the pension fund may become underfunded (i.e. the assets of the pension fund are not sufficient to cover its liabilities). To mitigate this, a portion of the returns is typically allocated to risk reserves, and in rare cases, additional contributions may be required from employers to cover shortfalls.<\/li>\n\n\n\n<li><strong>Greater administrative involvement: <\/strong>Companies that opt for a semi-autonomous solution may need to play a more active role in the oversight of the pension fund\u2019s investment strategy. This may involve regular reviews and consultations with the pension committee to ensure that the strategy remains aligned with the company\u2019s risk capacity and policyholders\u2019 goals.<\/li>\n<\/ul>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h2 class=\"blog-section-title\">Comparative analysis: weighing the options<\/h2>\n<figure class=\"wp-block-image size-large resp\"><picture><source srcset=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/04\/comparing-piggy-bank-edited.jpg\" media=\"(min-width: 981px)\"\/><source srcset=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/04\/comparing-piggy-bank-edited.jpg\" media=\"(max-width: 980px)\"\/><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload wp-image-24056\"\/><\/picture><\/figure>\n\n\n\n<p>A direct comparison of the two occupational pension models can help clarify which solution may be more appropriate for your company.<\/p>\n\n\n\n<p><strong>Below is an overview of the key criteria for evaluation:<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Risk distribution<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Full insurance<\/h4>\n\n\n\n<p><strong>All investment risk is assumed by the insurer<\/strong>, ensuring that employees\u2019 benefits are fully secured regardless of market performance.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Semi-autonomous<\/h4>\n\n\n\n<p><strong>The investment risk is shared.<\/strong> The pension fund actively invests in the capital markets, offering the possibility of higher returns but also the chance of shortfalls if markets perform poorly.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Investment strategy and returns<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Full insurance<\/h4>\n\n\n\n<p><strong>Investment strategies are highly conservative<\/strong>, typically involving minimal exposure to equities. This guarantees a stable yet lower return rate, barely exceeding the statutory minimum. This model is designed for stability rather than growth.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Semi-autonomous<\/h4>\n\n\n\n<p><strong>Investment strategies are more flexible and can be chosen to be more aggressive<\/strong>, incorporating a higher proportion of equities. This can lead to higher long-term returns when markets perform well. However, these returns are not guaranteed and can fluctuate with market conditions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Cost efficiency<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Full insurance<\/h4>\n\n\n\n<p><strong>The comprehensive coverage and guarantees come at a higher cost<\/strong> due to the insurer\u2019s administrative fees and risk coverage expenses.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Semi-autonomous<\/h4>\n\n\n\n<p><strong>Lower costs can be achieved by sharing the investment risk.<\/strong> The flexible approach can result in a better cost-performance, making it especially well-suited for companies with a higher risk tolerance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Administrative burden<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Full insurance<\/h4>\n\n\n\n<p><strong>Minimal involvement is required from the employer\u2019s side<\/strong>, as the insurance company handles all aspects of investment management and risk coverage.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Semi-autonomous<\/h4>\n\n\n\n<p><strong>Companies may need to participate more actively<\/strong> in decision-making processes and oversee the investment strategy, which could increase administrative responsibilities.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The verdict?<\/h3>\n\n\n\n<p>The decision between these two models ultimately rests on the company\u2019s individual characteristics and preferences, including its risk tolerance, financial goals, and administrative capacity.<\/p>\n\n\n\n<p>For companies that prioritize guaranteed returns and minimal involvement, the full insurance model is typically more attractive. On the other hand, those willing to take on market risks in exchange for the potential of higher returns might find the semi-autonomous approach more beneficial.<\/p>\n\n\n\n<p>You can find a general overview of choosing the right pension fund in the article <a href=\"https:\/\/www.nexova.ch\/en\/accounting\/right-pension-fund-company\/\">Choosing the right pension fund for your company<\/a>.<\/p>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h2 class=\"blog-section-title\">Making the right decision for your company<\/h2>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1900\" height=\"760\" src=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/04\/AdobeStock_328970487-edited-1900x760.jpeg\" alt=\"\" class=\"wp-image-23663\"\/><\/figure>\n\n\n\n<p>When evaluating pension fund management models, companies should consider the following key factors:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Risk tolerance<\/h3>\n\n\n\n<p><strong>Full insurance<\/strong> is best for companies seeking stability for their employees\u2019 pensions, while <strong>semi-autonomous solutions<\/strong> suit those willing to be exposed to market fluctuations.<\/p>\n\n\n\n<p>Consider the following questions when assessing your risk tolerance:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">How much volatility can your business withstand?<\/h4>\n\n\n\n<p>If your company has a conservative approach to risk and cannot afford unexpected financial burdens, the full insurance model\u2014with its complete risk coverage\u2014might be the better option.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Are you comfortable with market fluctuations?<\/h4>\n\n\n\n<p>For companies that have a higher risk appetite and can manage occasional restructuring of contributions if the market underperforms, the semi-autonomous solution may offer more attractive growth prospects.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Long-term financial planning<\/h3>\n\n\n\n<p>Employers and employees with a strong focus on maximizing long-term investment returns may prefer the semi-autonomous approach. Factors to consider include:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Future investment trends:<\/strong><\/h4>\n\n\n\n<p>While conservative investments provide security, they might not keep pace with inflation or evolving market opportunities. A semi-autonomous model, with its flexible investment approach, can better outperform inflation over the long term.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Demographic developments:<\/h4>\n\n\n\n<p>With <strong>rising life expectancy<\/strong> and changing workforce demographics in Switzerland, companies need a pension solution that can adapt to <strong>longer retirement periods<\/strong>. For this reason, semi-autonomous pension models are becoming increasingly preferred as they generally provide higher pension returns over a longer period.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Administrative capacity and expertise<\/h3>\n\n\n\n<p><strong>Full insurance models minimize administrative effort<\/strong>, <strong>whereas semi-autonomous models<\/strong> <strong>may require more active oversight<\/strong>. Smaller companies often lack the in-house expertise and resources to manage a complex investment strategy. Employers should thus consider that:<\/p>\n\n\n\n<p><strong>Full insurance <\/strong>reduces the need for detailed internal oversight and can be implemented with relatively low administrative overhead.<\/p>\n\n\n\n<p><strong>Semi-autonomous models <\/strong>require a greater level of engagement from company representatives. However, this is generally manageable for SMEs, especially those with access to external advisory services.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Desired flexibility<\/h3>\n\n\n\n<p>The ability to customize a pension plan to the specific needs of your company can be an important factor:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Semi-autonomous models:<\/h4>\n\n\n\n<p>Often offer greater customization in terms of contribution levels, investment strategies, and risk-sharing arrangements. Companies can adjust the strategy over time as market conditions and internal requirements change.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Full insurance models:<\/h4>\n\n\n\n<p>While offering less flexibility, they provide a one-size-fits-all solution that guarantees a predetermined level of benefit without the need for frequent adjustments.<\/p>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h2 class=\"blog-section-title\">Trends in the Swiss pension fund market<\/h2>\n<figure class=\"wp-block-image size-large resp\"><picture><source srcset=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/04\/3-piggy-podium-1-edited.jpg\" media=\"(min-width: 981px)\"\/><source srcset=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/04\/3-piggy-podium-1-edited.jpg\" media=\"(max-width: 980px)\"\/><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload wp-image-24054\"\/><\/picture><\/figure>\n\n\n\n<p>Current industry trends indicate a growing preference for semi-autonomous pension solutions among Swiss companies. Several factors are driving this change:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Low interest rates<\/h3>\n\n\n\n<p>The persistently low interest rates on traditional fixed-income investments make the conservative full insurance model less attractive. The potential for higher returns in the semi-autonomous model can better compensate for the effect of low guaranteed interest rates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Regulatory developments<\/h3>\n\n\n\n<p>Increasingly stringent investment regulations for occupational pension institutions are making it more difficult for fully insured models to generate the returns required to finance guaranteed benefits.<\/p>\n\n\n\n<p>These changing regulatory conditions are promoting more flexible and responsive pension solutions. This trend is also reflected in the growing number of collective foundations that prefer semi-autonomous models.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Demographic change<\/h3>\n\n\n\n<p>Increasing life expectancy is extending the period during which people receive pensions in Switzerland. Many companies are therefore rethinking how they can secure adequate retirement benefits in the long term.<\/p>\n\n\n\n<p>The modest returns offered by fully insured models may no longer be sufficient to guarantee adequate retirement provision. Semi-autonomous solutions, which offer a better balance between risk and return, are considered more adaptable to these demographic changes \u2013 particularly due to their potential for higher long-term returns.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Recommendations from the industry&#8217;s perspective<\/h3>\n\n\n\n<p>Industry analysts believe that fully insured models will remain attractive to security-oriented companies, but that dynamic financial markets and the need for more flexible investment strategies with higher return potential will lead more and more providers and companies to opt for semi-autonomous solutions.<\/p>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h2 class=\"blog-section-title\">Practical guidance for SMEs<\/h2>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1900\" height=\"760\" src=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/01\/AdobeStock_555905750-scaled-edited-1900x760.jpeg\" alt=\"\" class=\"wp-image-21115\"\/><\/figure>\n\n\n\n<p><strong>Recent industry trends indicate a growing preference for semi-autonomous pension solutions among Swiss companies<\/strong> Several factors are driving this shift:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Low interest rates<\/h3>\n\n\n\n<p><strong>Persistently low interest rates in traditional fixed-income investments<\/strong> have made the conservative full insurance model less appealing. The potential for higher returns in a semi-autonomous model can better offset the impact of low guaranteed rates.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Regulatory developments<\/h3>\n\n\n\n<p><strong>Increasingly strict investment rules for occupational pension funds<\/strong> have made it more difficult for full insurance pension fund models to achieve the type of returns needed to finance the guaranteed benefits they offer.<br>These evolving regulatory frameworks encourage pension providers to offer more flexible, responsive solutions. This trend is reflected in the increasing number of collective foundations that favor a semi-autonomous approach.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Changing demographics<\/h3>\n\n\n\n<p><strong>Rising life expectancy is extending retirement periods in Switzerland<\/strong>, which has led many companies to re-evaluate how to best secure adequate long-term pension benefits. The modest returns achieved with full insurance pension models may no longer be sufficient to properly provide for policyholders during retirement.<br>Semi-autonomous models that offer a <strong>better balance between risk and return<\/strong> are seen as more adaptable to these demographic changes due to their ability to generate higher long-term returns.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Key takeaway<\/h3>\n\n\n\n<p>Industry analysts suggest that while full insurance models continue to appeal to those prioritizing security, the dynamic nature of today\u2019s financial markets and the need for more adaptable investment strategies that generate higher long-term returns have led <strong>many providers and companies to switch to semi-autonomous solutions<\/strong>.<\/p>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-qweb-blog-section blog-section\"><div class=\"blog-section-wrap\"><h2 class=\"blog-section-title\">Summing it up: the balance between security and growth<\/h2>\n<figure class=\"wp-block-image size-large resp\"><picture><source srcset=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/04\/security-growth-lock-tree-1-edited.jpg\" media=\"(min-width: 981px)\"\/><source srcset=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2025\/04\/security-growth-lock-tree-1-edited.jpg\" media=\"(max-width: 980px)\"\/><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" alt=\"\" class=\"lazyload wp-image-24052\"\/><\/picture><\/figure>\n\n\n\n<p><strong>There is no one-size-fits-all answer when it comes to selecting the ideal pension fund management model for your company.<\/strong> While full insurance provides security and predictability, the flexibility and growth potential offered by semi-autonomous models align well with an increasingly dynamic market environment.<\/p>\n\n\n\n<p>As Swiss companies face challenges such as demographic shifts, evolving regulatory landscapes, and a persistently low-interest-rate environment, <strong>the decision on pension fund management becomes even more critical.<\/strong> Companies that actively monitor market trends and adjust their strategies accordingly can better navigate these challenges, ensuring that their employees\u2019 retirement provisions remain sustainable.<\/p>\n\n\n\n<p><strong>The increasing shift towards semi-autonomous solutions<\/strong> reflects a broader trend in Swiss pension management that aims at a more balanced approach to risk and return. With careful planning, ongoing oversight, and strategic advisory support, employers and employees can enjoy the benefits of a more dynamic investment strategy while still safeguarding the core promise of retirement security.<\/p>\n\n\n\n<p>For executives with incomes above the BVG mandatory level, so-called 1e plans offer additional design freedom &#8211; read more in the article: <a href=\"https:\/\/www.nexova.ch\/en\/accounting\/maximize-pension-returns-1e-plans\/\" target=\"_blank\" rel=\"noreferrer noopener\">1e management pension plan: How 1e plans support top earners in Switzerland<\/a>.<\/p>\n<div class=\"cta-block\"><p class=\"blog-section-content\">Book a free initial consultation with our experts.<\/p><a class=\"cta-button\" href=\"https:\/\/www.nexova.ch\/en\/book-a-call\/\">Book a call<\/a><\/div><\/div><\/section>\n\n\n    <section class=\"wp-block-qweb-blog-conclusion blog-section conclusion\">\n        <div class=\"blog-section-wrap\">\n                            <h2 class=\"blog-section-title\">How can Nexova help your company structure its occupational pension scheme?<\/h2>\n            \n                            <figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1080\" height=\"626\" src=\"https:\/\/www.nexova.ch\/wp-content\/uploads\/2026\/02\/Team_Patch_B2.jpg-1900x1101.jpg\" class=\"nexova-team-img nexova-blue\" alt=\"Team_Patch_B2.jpg\" loading=\"lazy\" \/><\/figure>\n            \n            <div class=\"blog-section-content\">\n\n<p>Choosing the right occupational pension model requires careful consideration of your company&#8217;s risk profile, growth plans, and administrative capacity. <strong>Nexova provides expert support to Swiss startups and SMEs<\/strong> in evaluating their options and implementing pension fund solutions that align with their strategic objectives.<\/p>\n\n\n\n<p>Whether you&#8217;re leaning toward the security of full insurance or the flexibility of a semi-autonomous model, <strong>our experts can guide you through the decision-making process with clarity and confidence<\/strong>. We work closely with trusted collective foundations and insurance partners, <strong>ensuring that your employees&#8217; retirement benefits are well-managed and future-proof.<\/strong><\/p>\n\n\n\n<p><strong>Contact us today<\/strong>&nbsp;to schedule a free consultation and let us help you build a pension plan that supports both your business and your team\u2019s financial future.<\/p>\n\n<\/div>\n        <\/div>\n    <\/section>\n    \n\n\n<section class=\"wp-block-qweb-blog-faq blog-section faq\"><div class=\"blog-section-wrap\"><h2 class=\"section-title\">FAQ<\/h2><p class=\"tx-large-size\">Answers at a click<\/p><div class=\"blog-faq\"><div class=\"faq-block active\"><div class=\"faq-title\"><h3>What is the main difference between full insurance and semi-autonomous pension models?<\/h3><span class=\"plus-ico\"><\/span><\/div><p class=\"faq-text\" style=\"display:block\">Full insurance models offer 100% guaranteed benefits and no investment risk, while semi-autonomous models expose employers and employees to market fluctuations but allow for higher return potential.<\/p><\/div><div class=\"faq-block\"><div class=\"faq-title\"><h3>Is one model better for small businesses than the other?<\/h3><span class=\"plus-ico\"><\/span><\/div><p class=\"faq-text\" style=\"\">It depends on your company\u2019s priorities. Full insurance offers simplicity and security, making it attractive to small companies with limited administrative resources. Semi-autonomous models may be more suitable for businesses with a higher risk tolerance aiming to provide sustainable long-term returns for their employees\u2019 pensions.<\/p><\/div><div class=\"faq-block\"><div class=\"faq-title\"><h3>Can I switch from one model to the other later?<\/h3><span class=\"plus-ico\"><\/span><\/div><p class=\"faq-text\" style=\"\">Yes, switching between models is generally possible but subject to the specific terms and conditions of your pension provider or collective foundation. Transitions typically require advance notice, coordination of asset transfers, and correct timing. A pension specialist like Nexova AG can help assess the feasibility and guide you through the process of changing pension fund models.<\/p><\/div><div class=\"faq-block\"><div class=\"faq-title\"><h3>Do employees have a say in the pension fund\u2019s investment decisions?<\/h3><span class=\"plus-ico\"><\/span><\/div><p class=\"faq-text\" style=\"\">In semi-autonomous collective foundations, employees can have indirect influence through representation on the foundation&#8217;s board of trustees. In full insurance models, investment decisions are entirely handled by the insurer.<\/p><\/div><div class=\"faq-block\"><div class=\"faq-title\"><h3>Are there mixed models available?<\/h3><span class=\"plus-ico\"><\/span><\/div><p class=\"faq-text\" style=\"\">Some providers offer hybrid or blended solutions that combine aspects of full insurance and semi-autonomy, although these are less common and may not be available from all pension providers.<\/p><\/div><\/div><\/div><\/section>\n\n\n<section class=\"wp-block-qweb-customer-review blog-section customer-review\">\n\t<div class=\"blog-section-wrap\">\n\t\t<div class=\"section-row\">\n\t\t\t<div class=\"section-col title-col\">\n\t\t\t\t<h2 class=\"section-title\">That\u2019s what our customers say<\/h2>\n\t\t\t\t<p class=\"tx-large-size\">Your feedback matters<\/p>\n\t\t\t<\/div>\n\t\t\t<div>\n\t\t\t\t<div class=\"google-rating\">\n\t\t\t\t  <div class=\"map-ico\">\n\t\t\t\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2022\/04\/google-map.svg\" width=\"42\" height=\"60\" alt=\"Google map icon for nexova rating\">\n\t\t\t\t  <\/div>\n\t\t\t\t  <div class=\"rating\">\n\t\t\t\t\t<img decoding=\"async\" src=\"\/wp-content\/uploads\/2022\/04\/five-star.svg\" width=\"180\" height=\"28\" alt=\"nexova rating is 5 star\">\n\t\t\t\t\t<h3>5.0 stars <\/h3>\n\t\t\t\t\t<div>\n\t\t\t\t\t  92 reviews \n\t\t\t\t\t<\/div>\n\t\t\t\t  <\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\t\t\n\t\t<div class=\"q_reviews\">\n\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2024\/01\/unnamed-4.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tMarc Perren\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p class=\"p1\">Mr. Merz has a very broad knowledge and was able to help me with all my questions. The conversation was very pleasant and very informative for me. Thank you for your support.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2024\/01\/unnamed-3.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tJ\u00f6rg Buckmann\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p class=\"p1\">Uncomplicated or serious? Both here. A young, smart team is at work here, offering excellent services, highly uncomplicated and competent. Instead of a prestigious reception area, expensive offices and a few small gifts, you offer fast and competent services. For me as a one-man company, this is exactly what I need.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2024\/01\/unnamed-2.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tMartin Gerber\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p class=\"p1\">I have been a Nexova customer for some time now and so far I am very satisfied! Thanks to the digital working methods and high responsiveness of the client managers, little time is lost in the daily process in particular. The prices are also very fair. Nexova handles the annual financial statements for me, including the tax balance sheet. The processes are standardized, which is a great advantage for audits (AHV and taxes). The two founders are two young, innovative guys and very serious.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2024\/01\/unnamed-1.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tFlorian Kreidler\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p class=\"p1\">The friendly and competent Nexova employee was able to answer my questions about company car taxation quickly and specifically. Thank you very much for this!<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2024\/01\/unnamed.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tReto S\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p class=\"p1\">When I founded my company a year ago, I needed a reliable fiduciary partner. In addition to pure accounting, Nexova also offers me very good advice on all aspects of labor law. Thanks to the E-Post solution, I no longer even have to worry about my company mail and can focus purely on my service activities. My contacts at Nexova are always very friendly and pleasant to deal with. The complete package is simply TOP and I can only recommend Nexova!<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed-8.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tPascal Zumstein\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>Top company &amp; friendly owners. A highly recommended trustee.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed-7.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tSeb Ur\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>Very good and competent advice!<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed-5.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tDavid Leu\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>Professionally at a very high level. They are very good with Excel and could also support us with automation of processes.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed-4.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tStefan Burgener\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>I had a few questions about remote work and was advised super and free of charge. Thank you very much!<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed-3.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tLuca M\u00e4rki\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>Very good service. Good and competent advice with friendly staff. I can definitely recommend<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed-2.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tEdward Buchanan\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>The Nexova team is very professional and I felt they always had my best interests at heart. I highly recommend Nexova and will continue to refer my clients to them and trust them with my business.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed-1.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tJuliam Pantano\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>I am impressed with their outstanding service, especially in the field of accounting services, they demonstrate a professional approach and exceptional attention. As a lawyer, I have found Nexova to be a valuable partner in the financial world.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/10\/unnamed.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tMarie Ospina\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>I had an excellent consultation with Nexova AG regarding withholding tax. Their expertise is remarkably extensive and their guidance was invaluable, I highly recommend their services. A first class experience.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/04\/alan.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tAlan Schuetz\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\tFebruary 8, 2023\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>The Nexova Team is an important partner to our startup, enabling us to pass all of our accounting, tax and payroll duties. We specially value their expertise with Startups and flexibility, which allows us to plan and manage our financials effectively and to focus on the bottom line of our operations.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/04\/raphel.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tRaphael H.\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\tApril 7, 2023\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>We are very satisfied with Nexova as our trustee. Thanks to the Teams group chat, I can always count on very fast response times (of a few minutes). The Teams Chat group is great. With our old trustee, we had to write mails and always had to wait a long time for an answer and on top of that we were charged for every little question. Fortunately, this is not the case with Nexova.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"reviews_col\">\n\t\t\t\t<div class=\"review_wrap\">\n\t\t\t\t\t<div class=\"review_head\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"avatar\" style=\"background-image:url('https:\/\/www.nexova.ch\/wp-content\/uploads\/2023\/04\/philip.png')\">\t\t\t\t\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"title\">\n\t\t\t\t\t\t\t<div class=\"reviewer\">\n\t\t\t\t\t\t\t\tPhilip Reck\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"date\">\n\t\t\t\t\t\t\t\tFebruary 25, 2023\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"google_logo\">\n\t\t\t\t\t\t\t<img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/google.png.webp' width='24'>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"star_rating\">\n\t\t\t\t\t\t<ul class=\"stars\">\n\t\t\t\t\t\t\t<li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li><li><img src='https:\/\/www.nexova.ch\/wp-content\/themes\/Qweb\/Images\/star.png.webp' width='22'><\/li>\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review_content\">\n\t\t\t\t\t\t<p>Nexova solved my problem with a non-paying tenant quickly and efficiently. I was simply overwhelmed with the situation and glad for the competent legal advice. Nexova handled everything from the reminder with threat of termination, to representation in court, to the police eviction quickly, efficiently and also inexpensively. Many thanks for the valuable help.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"read_more\" style=\"opacity:0;pointer-events: none;\">\n\t\t\t\t\t\t<span href=\"#\" data-collapse='Read more' data-open='Read less'>Read more<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t<div class=\"review-button\">\n\t\t<a href=\"https:\/\/g.page\/r\/Cb30_RVpXzU_EBM\/review\" class=\"btn bold violet btn-with-bg\" target=\"_blank\" rel=\"nofollow\">Submit a review<\/a>\n\t<\/div>\n\t\t<style>\n\t\t\tsection.blog-section.customer-review {\n\t\t\tpadding-left: 10%;\n\t\t\tpadding-right: 10%;\n\t\t\tpadding-top: 4em;\n\t\t}\n\t\t\tsection.blog-section.customer-review .section-row{\n\t\t\t\tdisplay: flex;\n\t\t\t\tjustify-content: space-between;\n\t\t\t}\n\t\t\t.customer-review h2.section-title{\n\t\t\t\tmargin-bottom: 0 !important;\n\t\t\t}\n\t\t\tsection.blog-section.customer-review .google-rating .rating h3{\n\t\t\t\tpadding-bottom: 2px;\n\t\t\t\tfont-size: 19px !important;\n\t\t\t\tcolor: #666;\n\t\t\t}\n\t\t\t.q_reviews{\n\t\t\t\tposition: relative;\n\t\t\t\tpadding: 0 30px;\n\t\t\t\tmargin-top: 6em;\n\t\t\t}\n\t\t\t.q_reviews .slick-list{\n\t\t\t\toverflow: hidden;\n\t\t\t}\n\t\t\t.q_reviews .slick-track{\n\t\t\t\tdisplay: flex;\n\t\t\t\tgrid-gap: 20px;\n\t\t\t}\n\t\t\t.q_reviews .slick-arrow{\n\t\t\t\tposition: absolute;\n\t\t\t\ttop: calc(50% - 50px);\n\t\t\t\ttransform: translateY(-50%);\n\t\t\t\tfont-size: 0;\n\t\t\t\tborder: none;\n\t\t\t\tbackground: transparent;\n\t\t\t}\n\t\t\t.q_reviews .slick-arrow:after{\n\t\t\t\tfont-family: qicons!important;\n\t\t\t\tspeak: never;\n\t\t\t\tfont-style: normal;\n\t\t\t\tfont-weight: 400;\n\t\t\t\tfont-variant: normal;\n\t\t\t\ttext-transform: none;\n\t\t\t\tline-height: 1;\n\t\t\t\t-webkit-font-smoothing: antialiased;\n\t\t\t\tposition: absolute;\n\t\t\t\tleft: -1.3em;\n\t\t\t\ttop: 50%;\n\t\t\t\ttransform: translateY(-50%);\n\t\t\t\tfont-size: 26px;\n\t\t\t\tfont-weight: 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