Switzerland Pension Fund

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  1. Lower salaries and part-time work prevent women from paying into Pillar 3a

    Women would pay more into pillar 3a – if they could

    Lower incomes and more part-time employment are the main reasons that women pay into Pillar 3a less frequently than men. A current Credit Suisse study shows that, all things being equal, women would pay more into their private pension provision than men.

  2. 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.

  3. 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.

  4. Requesting a payout of pension fund assets

    Payout of pension fund assets. When and how is early withdrawal possible?

    Under certain circumstances, the money you have saved in your pension fund can be withdrawn early. Which requirements apply, and how should you go about requesting a withdrawal?

  5. New option: "1e" pension plans

    "1e" Pension Plans in the Second Pillar Are Becoming More Attractive

    An amendment to the Federal Act on Vesting in Pension Plans may push "1e" pension plans of pension funds. The National Council and the Council of States have decided on an amendment to the law, which comes with more responsibility and additional investment opportunities for the insured.

  6. What is the conversion rate?

    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 must know three things about the 2nd pillar:
    1. The conversion rate for the mandatory portion of pension fund assets is currently 6.8%.
    2. However, most pension funds use a lower conversion rate in their calculations because they combine it with the rate for extra-mandatory insurance.
    3. Conversion rates will be lowered in the foreseeable future because they are too high at the moment.

  7. 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?

  8. The 3-Pillar Principle Explained Simply

    The Swiss pension system is based on three pillars. Together, they constitute a solid foundation for a worry-free life in old age.

  9. Paying into the second and third pillars improves retirement provision. Both pillars have advantages and disadvantages.

    Voluntary Pension Provision: Is It Better to Pay into the Second or Third Pillar?

    If you want to improve your retirement provision, you normally have two options: paying into the second pillar (employee benefits insurance in accordance with BVG) or paying into the third pillar (private pension provision). Both options have advantages and disadvantages. Your personal situation will determine which one makes most sense.

  10. Moving House after Retirement

    Moving House after Retirement – Things to Consider

    The kids have moved out, the family home has become too big. Upon retirement, many couples wish to move into a smaller home better suited to their advancing years. Prospective retirees should carefully inform themselves about the financial consequences they may experience when moving to another canton.