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  1. The maximum AHV pension for married couples is 150% of the maximum pension for individuals.

    Maximum AHV Pension: That's What Counts

    What factors influence the amount of a person's AHV retirement pension, and how do they receive the maximum pension?

  2. 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? 

  3. What yoga has to do with AHV

    Why It's a Good Idea to Invest Five Minutes Every Four Years in Your Old Age and Survivors' Insurance

    Federal Old Age and Survivors' Insurance (AHV) is a somewhat neglected topic compared to the second and third pillars: Although it accompanies us throughout our lives, some insured people have unnecessary contribution gaps through insufficient knowledge. The result is that their pensions are appreciably lower. In most cases, spending five minutes on the subject every four years would be sufficient to avoid this.

  4. 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.

  5. Credit Suisse pension fund study 2019: Pensions to fall sharply for future generations

    Credit Suisse publishes study on employee benefits insurance in Switzerland

  6. Switzerland's 3-pillar model

    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. 

  7. 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. 

  8. 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.

  9. 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. 

  10. 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.