Group Trust (CTA)

In the competition for the best minds, many companies offer their employees a company pension scheme (bAV). But what happens to the assets used for this purpose if a company gets into financial difficulties, is taken over or has to file for insolvency? A Contractual Trust Arrangement (CTA), a model for outsourcing pension obligations to an external trust company - such as our SLAM Trust e. V. - offers protection against such risks.

There are good reasons for companies to offer their employees a company pension scheme. The elementary building blocks should be in place for both employees and managers.

• Little involvement with the topic of "re-financing" your occupational pension scheme (bAV)
  
• The company has funding gaps
  
• Accounting standards change
  
• The company has its own Contractual Trust Arrangements (CTA), but too few resources to manage it
  
• Increasing decision-making burdens
  
• You would like to introduce a new pension module (e.g. a new pension scheme).
  
• Low investment returns and the feeling of not having invested in line with the times
  
• The result: you are pressed for time in your daily work and thus have a shortage of resources for all these issues.
  

The competition for the best minds continues to pick up speed. But the urgently needed qualified professionals have a choice - and a rewarding, secure occupational pension scheme is an important argument.

But what happens if a company gets into economic difficulties or, in the worst case, has to file for insolvency? It is challenging to build up earmarked assets for employees in such a way that the pension obligations from the company pension scheme are protected against insolvency and reduce the balance sheet.

• On request: outsourcing of all administrative activities
  
• Certified insolvency protection
  
  • Protection of assets in the event of insolvency
    
  • Protection of assets in the event of company takeovers
    
• Outsourcing of external risks
  
• Balance sheet reduction (HGB/Bil- MoG/IFRS/US-GAAP) through the build-up of plan assets (bAV)
  
• Conception of a contemporary and professionally managed capital investment
  
• Resource-saving outsourcing of original CTA activities
  

• The implementation of our group trust is efficient and accompanied by experts.
  
• We have renowned cooperation partners - but are also happy to work with existing providers. We are flexible and adapt to the needs of our customers.
  
• The group trust extends the statutory insolvency protection.
  
• Design of a contemporary capital investment and access to a variety of asset classes (including bonds, equities, real estate as well as infrastructure).
  
• We have been a stable partner to companies for over 160 years and therefore understand the interests of management, works councils, human resources, treasury and finance.