Switzerland Retirement
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Maximum AHV pension: That's what counts
The majority of people who are insured under AHV and who pay contributions are not entitled to the maximum AHV pension. Find out what factors influence your pension amount and how; under certain circumstances, it might still be possible to receive the maximum pension despite having AHV contribution gaps.
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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.
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Taking normal retirement. What you need to do.
You have reached normal retirement age and want to start your well-earned retirement. Find out what steps you need to take for normal retirement, and what points you need to bear in mind.
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Deferred retirement. Why it pays off.
If you are in good health and enjoy your work, you may want to work past normal retirement age. How deferred retirement works and what the concrete financial advantages look like.
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Bespoke retirement: Switzerland's four retirement models
Retirement is a milestone in your professional life. That is why it needs to be planned well. Whether you choose to retire early at 58 or defer retirement until 70, and whether you take a partial retirement in stages or retire upon reaching the AHV retirement age: Learn about the pros and cons of the different retirement models and find out more in informative articles. These will help you find out which retirement model is best suited to your personal situation.
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Leave the world of work step-by-step with partial retirement.
Partial retirement enables people to gradually reduce their level of employment, where permitted by the regulations of their pension fund and made possible by their employer. We look at the key points that need to be considered, and at why detailed planning is important if you intend to stagger your retirement.
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AHV 21 reform: The main changes as of January 1, 2024
The Swiss electorate has decided: On September 25, 2022, they said "yes" to the AHV 21 reform, which is expected to enter into effect by January 1, 2024. This is intended to secure financing for the first pillar until 2030. The reform will be financed by the increased reference age for women and by the increase in VAT. Here are the key changes, explained simply.
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Pension savings in Switzerland. The three-pillar principle explained in simple terms.
The Swiss pension system, also known as the three-pillar principle, consists of three pillars. . The public pension scheme (AVS), the occupational pension scheme (LPP) and the individual pension scheme (pillar 3a/b) together form the solid framework for comprehensive pension savings. Pension savings in Switzerland explained simply.
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Early retirement: Can I afford to retire early?
Many people nurture the desire to retire early. However, the financial shortfall associated with early retirement needs to be clarified beforehand. Only if you plan ahead and are aware of your likely pension from the AHV and pension fund will you know whether early retirement is possible.
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Lump-sum payout tax: Seven things you should know long before retirement
You can save taxes throughout your entire working life by paying into your employee benefits insurance and private pension. When you withdraw these amounts on retirement, they are subject to their own special tax: lump-sum payout tax. This varies depending on the canton and the amount of capital involved. An astute strategy can sometimes save a lot of money. The following seven points summarize the key information.
