The regulations of Novartis Pension Funds provide the option of selecting a scale of contributions that is either 2% higher than the Standard Scale and is thus known as the Standard Plus scale or 2% lower, which is known as the Standard Minus scale. In this way, you can influence the level of your later benefits. Your choice of contributions scale does not have any effect on the contributions paid by the employer (Novartis).
A Change of contribution scale can take place at any time. Your selection takes effect the following month (Please return the form by the 12th of any given month).
Yes, your decision can be changed again. In principle, this change is possible once a month. Please submit a new form with the corresponding change in your selection.
Yes, you can choose individually and mark the desired PF in the form.