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  1. 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.

  2. 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. 

  3. 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.

  4. 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. 

  5. 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.

  6. Retirement Provision – What Awaits Us?

    Retirement Provision – What Awaits Us?

    The baby boomer generation is retiring, and all of us are expected to live longer than our parents. These factors are a challenge for both state pension provision and employee benefits insurance. Now that voters have rejected the "Pensions 2020" reform package, the Federal Council is putting together a new package. What impact will this have on today's employees? Credit Suisse pension experts Rocco Baldinger and Markus Stierli give their assessment.

  7. antonio-gatti-and-reto-schlatter-discuss-the-challenges-of-the-swiss-pension-system

    “When It Comes to Pension Provision, We Can't Wait”

    After the "No" vote to AHV reform, dealing with this issue is everyone's responsibility, not just the government's. Uncertainty about one's own retirement provision is growing. But there are certainly opportunities. During their conversation, Antonio Gatti, Head of Wealth Planning at Credit Suisse in Zurich, and economic author Reto Schlatter explain what these are.

  8. Pillar 3a: reducing taxes

    How Big Are the Actual Tax Savings in Your Region Thanks to Pillar 3a?

    The amount you can save in taxes with a tied pension provision varies from region to region. In their new study on private retirement provision, Credit Suisse's economists detail the regional differences of the various tax burdens.

  9. Pillar 3a: Start early and consistently make deposits

    Pillar 3a: It Pays to Start Early and Consistently Make Deposits – Even with Relatively Small Amounts

    In their new study on Pillar 3a, the economists from Credit Suisse demonstrate how assets in Pillar 3a can develop. Deciding factors not only include the interest or return level, but above all, how long and how regularly deposits are made.

  10. One third of the Swiss have no Pillar 3a

    Over a Third of the Swiss Working Population Have No Pillar 3a

    Who pays into Pillar 3a? And how much? In their new study, the economists at Credit Suisse have taken a closer look at the savings habits of the Swiss population in tied private pension provision. There are significant differences between the regions, for example: People from French-speaking Switzerland and Ticino use Pillar 3a less than German-speaking Swiss.