Switzerland Swiss Pension
Paying into Pillar 3a is worthwhile. Even bit by bit.
Maintain the standard of living you're accustomed to even after retirement with Pillar 3a. It's possible, if you take account of all the contributory factors. Deciding factors not only include the interest or return level, but above all, how long and how regularly deposits are made.
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 514 per year. Who exactly is considered to be unemployed and how are AHV contributions for married couples calculated?
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.
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.
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?
New to Switzerland? This is how to keep track of your pension provision.
Are you new to Switzerland? Find out how to use the Swiss pension system comprising state, occupational, and private pension provision correctly, and keep track of it. This will ensure that you are optimally protected in retirement.
Maximum Pillar 3a amount for 2023
The maximum Pillar 3a amounts for 2023 have been announced. Get the information you need and start planning for tomorrow with Pillar 3a.
Security for your life partner. What same-sex couples need to know.
Under a registered partnership, same-sex couples can live together and take responsibility for one another if they remain in a registered partnership after July 1, 2022. But what would happen if one partner dies or is no longer able to work due to illness? Read about the benefits for registered partners from your pension plan in the event of disability or death.
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.
Financial stability when it matters most. Security for your children and spouse.
How can I protect my children and spouse if anything happens to me? It's an important question that married couples must consider. Learn about the benefits paid by your pension in the event of disability, and how a widower's/widow's pension and survivors' pension guarantee financial stability for your family in the event of your death.