Switzerland Pension Fund

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  1. BVG conversion rate: How the conversion rate determines the BVG pension

    What is the conversion rate?

    The conversion rate is used to calculate the annual BVG pension from the available retirement capital. Anyone who wants to find out what pension is realistic after retirement  should know these important facts regarding the conversion rate and BVG regulations.

  2. Voluntary pension provision buy into pension fund or pillar 3a

    Voluntary pension contributions: Should you pay into the second pillar or Pillar 3a? 

    Those who want to ensure financial security in retirement can take advantage of two voluntary provision options with tax benefits: buying into a pension fund or paying into Pillar 3a. The pros and cons of each option to enable you to make the right decision in your own situation. 

  3. Understand your pension fund statement, pension certificate

    How to understand your pension fund statement

    The pension fund statement – also called the pension certificate – contains specific information about your second pillar that concerns not only your retirement age. However, you need to be familiar with some jargon and background information in order to understand your pension certificate properly. We explain them in an example, point by point.

  4. Identifying AHV contribution gaps

    AHV Contribution Gaps – Everything You Need to Know

    Anyone with gaps in their contributions to the Federal Old Age and Survivors' Insurance (AHV) will end up receiving a lower pension. So, how do these much-feared contribution gaps actually come about? How do you spot them and what can you do about them?

  5. Employee benefits insurance in the case of multiple jobs. What you need to know.

    Multiple jobs: What you need to know about your pension fund 

    These days, many employees work part time for several employers. This means that, despite regular income, they don't earn enough to fall directly under statutory BVG insurance. Nonetheless, they too should provide for their retirement. What solutions are available for this with employee benefits insurance? 

  6. Private debt: Credit financing as an asset class

    Defy volatility with investments in private credit markets

    The current volatile market environment is putting pressure on institutional investors. Private credit markets seem to be a welcome alternative, as they offer an attractive return profile and predictable risks. What opportunities does this asset class offer?

  7. Energy crisis creates new opportunities for institutional investors

    Clean electricity is the new oil. Investment opportunities amid the energy crisis.

    Europe is in the midst of its biggest energy crisis since the Second World War. Via long-term investment in energy infrastructure, institutional investors can nevertheless play their part in ensuring supply security.

  8. Purchasing pension benefits: a discussion with financial planner Manuela Meier-Gloor

    Purchasing pension benefits: fill gaps and save taxes

    Voluntarily purchasing pension benefits is ideal for saving taxes. Manuela Meier-Gloor, a financial planner from Zug, explains what you should consider.

  9. Payout of pension fund assets: Reasons for withdrawing pension fund assets early

    Payout of pension fund assets. When is early withdrawal possible and how can you request it?

    Which requirements apply for an early withdrawal of pension fund assets, and how should you go about requesting a withdrawal? What insured parties in Switzerland should absolutely know if they wish to make an early pension fund withdrawal.

  10. Suggestions for BVG reform: How they will affect our pensions

    According to the latest study by Credit Suisse, the pensions of the coming generations will be significantly lower than current pensions if nothing is done. Social partners are in the process of discussing possible reforms. This overview study assesses the reform proposals and calculates the monetary impact of the individual solutions.