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Myths and misconceptions about pension provision: An overview
A lot of us tend to put off building up a retirement provision and planning for potential misfortunes – often in the belief that such measures aren't necessary when we're young. This is a myth, however; as is the assumption that marriage provides comprehensive protection – and these are by no means the only misconceptions. This article reveals the eight most common myths and explains why it pays to plan prudently and in good time.
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AHV 21: What changes will the reform bring?
The AHV 21 reform has been in effect since the beginning of 2024. This is intended to secure financing for the first pillar until 2030. The reform will be financed by the increased reference age for women and by the increase in VAT. Here are the key changes, explained simply.
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Maximum Pillar 3a amount in 2024
Old Age and Survivors' Insurance (AHV) and employee benefits insurance (BVG) only cover 60 to 70 percent of the previous household income after retirement. If you want to maintain your accustomed standard of living even in your old age, you should therefore contribute the maximum Pillar 3a amount every year. But what are the maximum Pillar 3a amounts for 2024?
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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?
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Payout of pension fund assets. When is early withdrawal possible and how can you request it?
Which requirements apply for an early withdrawal of pension fund assets, and how should you go about requesting a withdrawal? What insured parties in Switzerland should absolutely know if they wish to make an early pension fund withdrawal.
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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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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?
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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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"For every year of early retirement, you need 18 months of your annual salary."
In Switzerland, awareness of the importance of private pension provision is visibly growing. This is an important trend, says Désirée von Michaelis, Head of Wealth Planning at Credit Suisse in an interview. What to take into consideration when planning your retirement – for example, for early retirement. Five tips from Credit Suisse for successful retirement.
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What is the conversion rate?
The conversion rate is used to calculate the annual BVG pension from the available retirement capital. Anyone who wants to find out what pension is realistic after retirement should know these important facts regarding the conversion rate and BVG regulations.
