Switzerland Pension provision
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Reforms in the Swiss pension system are overdue.
The Swiss pension system needs reforms and is facing major changes. What do employees who wish to best provide for their retirement years need to know now? Désirée von Michaelis, Head of Wealth Planning at Credit Suisse, talks in the interview about the state of pension provision in Switzerland and provides tips for personal retirement planning.
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Identifying, avoiding, and closing pension gaps early on
If a pension is not large enough to cover a person's normal expenses, this is known as a pension gap. What are the potential causes of such a gap and what options does the Swiss pension system provide for avoiding or closing them at an early stage?
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AHV contributions from gainfully employed persons: Contribution rates and payment obligation.
For gainfully employed and self-employed persons, the AHV contribution requirement starts from January 1 after reaching the age of 18. As of January 1, 2021, the contribution rates for gainfully employed persons changed: AHV contribution 8.7%; IV 1.4%; EO 0.5%. Half is paid by the employee and half by the employer; self-employed persons must pay the full amount by themselves.
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AHV contributions: How much do unemployed persons pay?
Unemployed persons are still required to pay AHV contributions. The amount they pay is determined by their assets and any pension income. The minimum AHV contribution is currently CHF 503 per year. Who exactly is considered to be unemployed and how are AHV contributions for married couples calculated?
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Retirement provision in Switzerland. The essentials at a glance.
What will retirement provision in Switzerland look like in the future? And how can you prevent gaps in your pension provision? Read about the latest developments regarding AHV, pension funds, and the third pillar and how gainfully employed persons can best save for old age.
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Pension study 2022: Configuration options for retirement provision
The Swiss pension system allows workers to exert an influence on their individual retirement planning on various levels. Find out to what extent Swiss workers are already using these opportunities now and what trends have emerged in recent years – all of the findings are here in the pension study for 2022.
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Retirement provision for women – special characteristics and challenges
Retirement provision becomes more difficult for women if gainful employment is interrupted for maternity reasons or reduced through part-time working. In such situations, gaps arise in their retirement savings. For this reason, women should engage with the topic of retirement provision in detail.
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Everything you need to know about Pillar 3a. Simply explained.
State retirement provision and employee benefits insurance are usually not enough to maintain the standard of living you have become accustomed to when you retire. That makes it vital to put money into a private pension – that is, Pillar 3a. This article explains what the third pillar is, how it works, and how you can benefit from tax savings – all in simple terms.
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Maximum Pillar 3a amount in 2022
Old Age and Survivors' Insurance (AHV) and employee benefits insurance (BVG) only cover 60 to 70 percent of the previous household income after retirement. If you want to maintain your accustomed standard of living even in your old age, you should therefore contribute the maximum Pillar 3a amount every year. But what are the maximum Pillar 3a amounts for 2022?
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Marriage vs. cohabitation. What difference does it make to pension provision?
Marriage vs. cohabitation? Legal differences abound when it comes to the issue of pension benefits. In Switzerland, marriage offers clear advantages in terms of statutory pension and inheritance entitlements – benefits not afforded to couples who don't have the protection of a marriage certificate. Cohabitation, on the other hand, provides greater flexibility. These differences between marriage and cohabitation continue to exist.
