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  1. Retirement provision in Switzerland. The three-pillar principle explained simply.

    Retirement provision in Switzerland is based on three pillars. Together, they form the solid basis for comprehensive old-age security. The three pillars also offer financial security in the event of death and disability. Watch the video to find out how the three-pillar principle is structured and how it works. 

  2. Gaetano Cardillo, trainer for client advisors, Credit Suisse, on pension gaps

    Closing Pension Gaps – almost everyone is affected

    How do pension gaps arise, and how can you close them? We put these questions to Gaetano Cardillo, trainer for client advisors at Credit Suisse. His advice: The "pension gap" problem should be tackled at a sufficiently early stage. 

  3. The future of retirement provision

    The future of retirement provision

    The Swiss retirement provision system will face several challenges in the coming years. Jan Schüpbach explains in the video what new solutions in the area of Pillar 3a savings could work for the majority.

  4. Splitting the AHV, pension fund, and Pillar 3a upon divorce

    What happens to your AHV (Old Age and Survivors' Insurance), pension fund, and Pillar 3a if you get divorced?

    In the event of a divorce, the same principle applies to AHV, pension fund and Pillar 3a assets, namely that entitlements and assets earned during the marriage are divided up. However, this is done differently from pillar to pillar. 

  5. Women need to be careful about their retirement provision when working part-time or on a career break

    Women: Think about your retirement provision if working part-time work or taking a career break

    Part-time work and employment interruptions are key reasons why women invest less in Pillar 3a, according to a new study by Credit Suisse. However, it is particularly important for them to increase their exposure to this pillar in order to compensate for the loss of the AHV and BVG pension due to reduced contributions.

  6. Retirement provision in Switzerland: Pillar 3a is important for employee benefits insurance

    "Solidarity in employee benefits insurance is under severe strain"  

    Retirement provision in Switzerland is out of kilter. In this interview, pension experts Markus Stierli and Rocco Baldinger discuss solutions for state pension provision ("AHV"), employee benefits insurance ("second pillar"), and tied pension provision ("Pillar 3a"). They explain why personal responsibility is the only practical model at present. 

  7. Maximum amounts pillar 3a

    Pillar 3a – Maximum Amounts for 2019

    Old Age and Survivors' Insurance (AHV) and employee benefits insurance (BVG) only cover 60 to 70 percent of the previous household income after retirement. Those who do not want to give up their accustomed standard of living in their old age should therefore contribute to Pillar 3a every year. 

  8. Old Age and Survivors' Insurance (AHV) contributions: employers, employees, self-employed people

    AHV contributions: How much do employers, employees, and self-employed people pay?

    For employees, the employer pays half of the AHV contributions. Self-employed people have to dig deeper into their pockets, since they have to pay the full contributions themselves. How high are the different salary deductions? 

  9. AHV contributions for people who are not part of the workforce

    AHV Contributions: How much do people who are not part of the workforce pay?

    Even people who are not part of the workforce have to pay AHV contributions from 1st January after reaching the age of 20 until they reach the normal retirement age. But how are the AHV contributions determined and who is not considered to be part of the workforce? We show how the AHV contributions are calculated for people who are not part of the workforce and what the minimum and maximum contributions are. A calculation example is provided below for illustrative purposes.

  10. Demographic Change Is Causing Issues for Retirement Pensions

    Demographic Change Is Causing Issues for Retirement Pensions

    Today, too many retirees need to be financed by too few actively employed workers. This means that the intergenerational contract and retirement provision must be adjusted to suit the conditions of modern society.