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  1. Pension or lump sum: An important decision on retirement

    Drawing pension fund benefits as a pension or as a lump sum? That is the question.

    Pension fund assets are often the most significant assets that Swiss people have. Before retirement, people face the important choice of whether to draw their benefits as a pension or as a lump sum. What are the practical implications of a lump-sum withdrawal from the pension fund, and why is an individual solution always best?

  2. Voluntary pension provision buy into pension fund or pillar 3a

    Voluntary pension contributions: Should you pay into the second pillar or Pillar 3a? 

    Those who want to ensure financial security in retirement can take advantage of two voluntary provision options with tax benefits: buying into a pension fund or paying into Pillar 3a. The pros and cons of each option to enable you to make the right decision in your own situation. 

  3. 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?

  4. Identifying AHV contribution gaps

    AHV Contribution Gaps – Everything You Need to Know

    Anyone with gaps in their contributions to the Federal Old Age and Survivors' Insurance (AHV) will end up receiving a lower pension. So, how do these much-feared contribution gaps actually come about? How do you spot them and what can you do about them?

  5. 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.

  6. 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.

  7. Maximum Pillar 3a amount in 2019

    Maximum Pillar 3a amount in 2020

    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. 3rd pillar, financial planning for retirement, pension provision in Switzerland, 2018 maximum amount

    What You Need to Know About the 3rd Pillar 

    What exactly is the 3rd pillar? What is the maximum amount people can deposit for 2020? Where and how can people voluntarily save up retirement capital? And starting when and under what conditions are you allowed to withdraw money from the private pension provision? Those are the most important facts for the 3rd pillar. 

  10. AHV 21: These are the most important changes

    AHV 21 reform: The most important changes compared with today

    The Federal Council wants to safeguard the first pillar (AHV/Old Age and Survivors' Insurance) until 2030 by means of the AHV 21 reform. To do so, it is meeting the needs of insured by allowing greater flexibility in the retirement age. In addition, the Federal Council is providing incentives to continue working for longer. The reform will be financed by bringing the retirement age for women into line with that of men and increasing value added tax.