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  1. Deferred retirement: postpone your BVG and AHV pension

    Deferred retirement. Why it pays off.

    If you are in good health and enjoy your work, you may want to work past normal retirement age. How deferred retirement works and what the concrete financial advantages look like.

  2. Partial retirement: Key facts on staggered retirement

    Leave the world of work step-by-step with partial retirement. 

    Partial retirement enables people to gradually reduce their level of employment, where permitted by the regulations of their pension fund and made possible by their employer. We look at the key points that need to be considered, and at why detailed planning is important if you intend to stagger your retirement. 

  3. Early retirement: Planning for early retirement

    Early retirement: Can I afford to retire early? 

    Many people nurture the desire to retire early. However, the financial shortfall associated with early retirement needs to be clarified beforehand. Only if you plan ahead and are aware of your likely pension from the AHV and pension fund will you know whether early retirement is possible.  

  4. Normal retirement: How to take your retirement

    Taking normal retirement. What you need to do.

    You have reached normal retirement age and want to start your well-earned retirement. Find out what steps you need to take for normal retirement, and what points you need to bear in mind.

  5. According to the 2019 Worry Barometer, both young and old people in Switzerland are concerned about retirement provision

    Problem no. 1: Retirement provision

    For the third year in a row, Swiss voters see retirement provision as the biggest challenge facing Switzerland. The Credit Suisse Worry Barometer reveals that all population groups agree.  

  6. 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?

  7. 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. 

  8. Pillar 3a – Maximum Amounts for 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. 

  9. 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?

  10. 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?