Guide Pension Fund
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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.
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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.
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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.
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Multiple jobs: What you need to know about your pension fund
These days, many employees work part time for several employers. This means that, despite regular income, they don't earn enough to fall directly under statutory BVG insurance. Nonetheless, they too should provide for their retirement. What solutions are available for this with employee benefits insurance?
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Retirement provision for single moms: Four tips so that you can lead a self-determined life in retirement
Women with children are aware of the importance of saving for their retirement. This is shown by a recent Credit Suisse study. But less than half of single women with children pay regularly into Pillar 3a – probably due in part to being on a tight budget – with correspondingly negative consequences for their retirement provision. We provide four tips on how you can provide for more financial independence in your old age.
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Women would pay more into pillar 3a – if they could
Lower incomes and more part-time employment are the main reasons that women pay into Pillar 3a less frequently than men. A current Credit Suisse study shows that, all things being equal, women would pay more into their private pension provision than men.
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How to understand your pension fund statement
The pension fund statement – also called the pension certificate – contains specific information about your second pillar that concerns not only your retirement age. However, you need to be familiar with some jargon and background information in order to understand your pension certificate properly. We explain them in an example, point by point.
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Purchasing pension benefits: fill gaps and save taxes
Voluntarily purchasing pension benefits is ideal for saving taxes. Manuela Meier-Gloor, a financial planner from Zug, explains what you should consider.
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Payout of pension fund assets. When and how is early withdrawal possible?
Under certain circumstances, the money you have saved in your pension fund can be withdrawn early. Which requirements apply, and how should you go about requesting a withdrawal?
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"1e" Pension Plans in the Second Pillar Are Becoming More Attractive
An amendment to the Federal Act on Vesting in Pension Plans may push "1e" pension plans of pension funds. The National Council and the Council of States have decided on an amendment to the law, which comes with more responsibility and additional investment opportunities for the insured.
