{"id":1726,"date":"2021-10-20T10:26:06","date_gmt":"2021-10-20T09:26:06","guid":{"rendered":"https:\/\/ajooda.ch\/en\/?p=1726"},"modified":"2023-07-05T12:09:36","modified_gmt":"2023-07-05T11:09:36","slug":"how-does-the-pension-fund-work","status":"publish","type":"post","link":"https:\/\/ajooda.ch\/en\/how-does-the-pension-fund-work\/","title":{"rendered":"How does the pension fund work and how much pension will I receive from the occupational pension (BVG)?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">The occupational pension (pension fund) of the 2nd pillar<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"705\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2021\/10\/AHV-1.png\" alt=\"\" class=\"wp-image-1728\" srcset=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2021\/10\/AHV-1.png 1024w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2021\/10\/AHV-1-300x207.png 300w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2021\/10\/AHV-1-768x529.png 768w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2021\/10\/AHV-1-73x50.png 73w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">What is occupational pension?<\/h2>\n\n\n\n<p>The\noccupational benefit scheme is part of the 2nd pillar in Switzerland and has\nthe purpose of minimising the consequences of the following risk factors:<\/p>\n\n\n\n<ul>\n<li>Economic\nconsequences of old age (BVG)<\/li>\n\n\n\n<li>Economic\nconsequences of death (UVG, BVG)<\/li>\n\n\n\n<li>Economic\nconsequences of disability (UVG, BVG)<\/li>\n<\/ul>\n\n\n\n<p>The second\npillar aims to ensure a reasonably comfortable life for the insured.<\/p>\n\n\n\n<p><strong>As a\nrule, the pension from the 1st and 2nd pillars together corresponds to about\n60% of the previously earned income.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who is compulsorily insured in the occupational pension (pension fund)?<\/h2>\n\n\n\n<p>Anyone who earns a compulsory AHV income of at least CHF 22,050 per employer is insured under the BVG.<\/p>\n\n\n\n<p>Unemployed\npersons who receive daily allowances from unemployment insurance (ALV) are also\nBVG insured. However, <strong>unemployed persons are only insured against disability\nand death under the BVG.<\/strong> No BVG savings contributions are paid.<\/p>\n\n\n\n<p>The\ncontributions of ALV recipients are not paid into the pension fund but into the\nBVG supplementary institution.<\/p>\n\n\n\n<p>For\nself-employed persons, occupational pension provision is voluntary.<\/p>\n\n\n\n<p>Since this is usually not the case, self-employed persons should definitely take out a <a href=\"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/\" target=\"_blank\" rel=\"noreferrer noopener\">3rd pillar pension<\/a> and make provisions so that they are not left with nothing in the event of an accident or illness.<\/p>\n\n\n\n<p>From the\nyear of your 18th birthday, you are insured, but only against the risks of\ndisability and death.<\/p>\n\n\n\n<p>Only from\nthe age of 25 do you accumulate savings capital.<\/p>\n\n\n\n<p>It is\ntherefore quite normal that at the age of 25, much more contributions are\nsuddenly due for occupational pension provision.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"513\" height=\"328\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2021\/10\/buying-shares-1.png\" alt=\"Pensionkasse BVG versicherte Leistungen ajooda\" class=\"wp-image-1729\" srcset=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2021\/10\/buying-shares-1.png 513w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2021\/10\/buying-shares-1-300x192.png 300w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2021\/10\/buying-shares-1-78x50.png 78w\" sizes=\"(max-width: 513px) 100vw, 513px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">How high are BVG contributions 2023 for the pension fund?<\/h2>\n\n\n\n<p>The BVG\nsavings contributions for occupational pension provision are as follows (as a\npercentage of salary):<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#e7f5fe\"><tbody><tr><td>   25 &#8211; 35 years<\/td><td>   7% BVG savings contribution<\/td><\/tr><tr><td>   35 &#8211; 45 years<\/td><td>   10% BVG savings contribution<\/td><\/tr><tr><td>   45 &#8211; 55 years<\/td><td>   15% BVG savings contribution<\/td><\/tr><tr><td>   55 &#8211; 65 years<\/td><td>   18% BVG savings contribution<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n\n\n<p>The employer must pay at least 50% of those contributions, some employer pay more to attract talent. But 50\/50 is the norm.<\/p>\n\n\n\n<p>So if the contribution for a 28 year old is 7% in total, the employer would pay 3.5% and the employee would pay the rest.<\/p>\n\n\n\n<p>Since the regular retirement age for women is 64, they do not have the last 18% for occupational benefits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who is not insured under\nthe BVG?<\/h2>\n\n\n\n<p>You do not\nhave to pay occupational benefit contributions if the following situations\napply:<\/p>\n\n\n\n<ul>\n<li>Temporary\nemployment (less than 3 months).<\/li>\n\n\n\n<li>Secondary\nemployment, if you are already insured under the BVG in your main job.<\/li>\n\n\n\n<li>IV\npensioner with an IV degree of 70%+ and still gainfully employed.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What is the BVG minimum wage in 2023?<\/h2>\n\n\n\n<p>The BVG minimum wage in 2023 is CHF 22&#8217;050 per year. This is also called the BVG entry threshold.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is the insured salary 2023 in the pension fund?<\/h2>\n\n\n\n<p>The insured salary for the occupational benefit scheme 2023 is a maximum of CHF 60,945.<\/p>\n\n\n\n<p>It does not matter whether you earn CHF 90&#8217;000 or CHF 300&#8217;000 per year, the maximum BVG-insured salary remains the same (unless you are affiliated to the supplementary occupational benefit scheme).<\/p>\n\n\n\n<p><a href=\"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/\">Therefore a good performing 3rd Pillar can help.<\/a><\/p>\n\n\n\n<p>If you earn little so that after the BVG coordination deduction of CHF 25&#8217;725 a minus arises, the minimum BVG insured salary 2023 is always at least CHF 3&#8217;675.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">BVG insured salary 2023 Example (Koordinationsabzug)<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"420\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2023\/07\/Koordinationsabzug-2023-BVG-ajooda.png\" alt=\"\" class=\"wp-image-5841\" srcset=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2023\/07\/Koordinationsabzug-2023-BVG-ajooda.png 1000w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2023\/07\/Koordinationsabzug-2023-BVG-ajooda-300x126.png 300w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2023\/07\/Koordinationsabzug-2023-BVG-ajooda-768x323.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">BVG Compulsory vs\nNon-Compulsory Occupational Pension Plans<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">BVG Compulsory<\/h3>\n\n\n\n<p>The BVG maximum salary is CHF 88&#8217;200 (as of 2023).<\/p>\n\n\n\n<p>However, the coordination deduction of CHF 25&#8217;725 must be deducted from this, resulting in a coordinated or maximum insured salary of CHF 62&#8217;475<\/p>\n\n\n\n<p>The BVG\nrequires that the employer pays at least 50% of the BVG contribution. Some\nemployers even pay more out of goodwill.<\/p>\n\n\n\n<p>The BVG\nobligation is bound to very clear requirements. For example, the pension funds\ncannot invest the money as they wish, but must invest part of it in bonds.<\/p>\n\n\n\n<p>Also, the BVG conversion rate in 2023 is currently still 6.8%.<\/p>\n\n\n\n<p>Since 2017,\nthe minimum interest rate at which the BVG capital earns interest has been\n1.0%.<\/p>\n\n\n\n<p><strong>By\ncomparison: from 1985 to 2002, this minimum interest rate was still 4.0%!<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Non-mandatory occupational\nbenefit scheme<\/h3>\n\n\n\n<p>The\nextra-mandatory occupational benefit scheme is intended for high earners so\nthat the pension gap is not too large.<\/p>\n\n\n\n<p>The maximum insured salary in the supplementary occupational benefit scheme is CHF 882&#8217;000 per year.<\/p>\n\n\n\n<p>The BVG extra-mandatory pension plan is not bound to any specifications. In other words, each pension fund is free to determine the conversion rates. However, these are usually lower than the 6.8%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">BVG superobligation\nadvantages<\/h3>\n\n\n\n<ul>\n<li>Extension\nof the IV pension<\/li>\n\n\n\n<li>Extension\nof survivors&#8217; benefits<\/li>\n\n\n\n<li>Extension\nof beneficiaries (e.g. cohabiting partners)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What is the BVG conversion rate 2023?<\/h2>\n\n\n\n<p>The BVG conversion rate for 2023 is 6.8%. However, this will soon be corrected downwards due to reforms.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When is the pension fund\npayment possible?<\/h2>\n\n\n\n<p>You can\nhave your pension fund paid out in the following situations:<\/p>\n\n\n\n<ul>\n<li>Emigration<\/li>\n\n\n\n<li>Emigration\noutside the EU -&gt; Pension fund payout possible<\/li>\n\n\n\n<li>Emigrating\nwithin the EU -&gt; Must park capital in a BVG catch-up fund until retirement<\/li>\n\n\n\n<li>Self-employment<\/li>\n\n\n\n<li>Small\namount (amount less than 1 annual contribution)<\/li>\n\n\n\n<li>Home\nownership promotion<\/li>\n\n\n\n<li>Only\nowner-occupied property. No holiday or investment property<\/li>\n\n\n\n<li>Up\nto 50 years, entire capital may be used. After that only limited.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">When is\nearly retirement possible?<\/h2>\n\n\n\n<p>The pension\nfund can provide for early retirement in the regulations. <strong>The earliest\npossible retirement age is 58.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Can I have the pension\nfund pay out in the form of a lump sum or do I have to take the pension fund\nannuity?<\/h2>\n\n\n\n<p>If you\nwithdraw a lump sum from the pension fund, you can withdraw part of it as a\nlump sum and the rest as a pension.<\/p>\n\n\n\n<p><strong>If you want to take a lump sum from the pension fund, this amount must be at least 25% of the total capital.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Disability pension fund<\/h2>\n\n\n\n<p>The BVG\ndisability pension is based on the degree of disability, just like the AHV.\nThis means that a different IV pension is paid depending on the degree of\ndisability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">IV degrees in Switzerland<\/h2>\n\n\n\n<p>The degree\nof disability is divided into the following 5 levels:<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#e7f5fe\"><tbody><tr><td>\n  0 &#8211; 39% IV degree\n  <\/td><td>No pension   <\/td><\/tr><tr><td>\n  40 &#8211; 49% IV degree\n  <\/td><td>One quarter pension   <\/td><\/tr><tr><td>\n  50 &#8211; 59% IV degree\n  <\/td><td>Half pension   <\/td><\/tr><tr><td>\n  60 &#8211; 69% IV degree\n  <\/td><td>Three quarter pension   <\/td><\/tr><tr><td>\n  70%+ IV degree\n  <\/td><td>Full pension   <\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Survivors&#8217; benefits\npension fund<\/h2>\n\n\n\n<p>For\nsurvivors&#8217; benefits under the BVG, men and women are treated equally, i.e. the\nsame conditions apply.<\/p>\n\n\n\n<p>In the case\nof survivors&#8217; benefits from the AHV, however, women are better off.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-background\" style=\"background-color:#e7f5fe\"><tbody><tr><td><strong>60% widow&#8217;s pension<\/strong>   <strong>60% widower&#8217;s pension<\/strong><\/td><td>&#8211; Min. 1 child<br>&#8211; Older than 45 years and at least 5 years of marriage<br>&#8211; Condition not fulfilled? -&gt; Lump-sum settlement amounting to max. 3 years&#8217; widow&#8217;s pension<\/td><\/tr><tr><td><strong>20% orphan&#8217;s pension<\/strong><\/td><td>&#8211; Up to 18 or 25 years of age<br>&#8211; Surviving partner receives orphan&#8217;s pension, not the child.   <\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n\n\n<p>As you can see, the swiss pension fund (Pensionskasse) is an important part of the 3 Pillar system in switzerland, but it has it&#8217;s limitations.<\/p>\n\n\n\n<p>For those that desire to live a certain life standard after pension age, no matter if they want to stay in switzerland or move abroad, it is always wise to <a href=\"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/\">check the possibilites for improving their tax- and savings situation<\/a>.<\/p>\n\n\n\n<p>Our Pension and 3rd Pillar experts, will gladly assist you in crafting an individual plan, that gets the very best out of your situation. Get in touch with us!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The occupational pension (pension fund) of the 2nd pillar What is occupational pension? The occupational benefit scheme is part of the 2nd pillar in Switzerland and has the purpose of minimising the consequences of the following risk factors: The second pillar aims to ensure a reasonably comfortable life for the insured. As a rule, the [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2342,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46,137],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How does the pension fund in switzerland work? | ajooda.ch<\/title>\n<meta name=\"description\" content=\"How does the swiss pension fund (Pensionskasse) work &amp; everything you need to know about the 2nd Pillar in switzerland.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ajooda.ch\/en\/how-does-the-pension-fund-work\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How does the pension fund in switzerland work? | ajooda.ch\" \/>\n<meta property=\"og:description\" content=\"How does the swiss pension fund (Pensionskasse) work &amp; everything you need to know about the 2nd Pillar in switzerland.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ajooda.ch\/en\/how-does-the-pension-fund-work\/\" \/>\n<meta property=\"og:site_name\" content=\"ajooda AG | Tax return, Company formation &amp; Accounting\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ajooda.ch\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-10-20T09:26:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-05T11:09:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/05\/saeule-3a-maximalbetrag-2022.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"337\" \/>\n\t<meta property=\"og:image:height\" content=\"335\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ricardo Antunes\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@AjoodaC\" \/>\n<meta name=\"twitter:site\" content=\"@AjoodaC\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ricardo Antunes\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/ajooda.ch\/en\/how-does-the-pension-fund-work\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/ajooda.ch\/en\/how-does-the-pension-fund-work\/\"},\"author\":{\"name\":\"Ricardo Antunes\",\"@id\":\"https:\/\/ajooda.ch\/en\/#\/schema\/person\/da303a636c68293ca45f028863b85010\"},\"headline\":\"How does the pension fund work and how much pension will I receive from the occupational pension (BVG)?\",\"datePublished\":\"2021-10-20T09:26:06+00:00\",\"dateModified\":\"2023-07-05T11:09:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/ajooda.ch\/en\/how-does-the-pension-fund-work\/\"},\"wordCount\":1207,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/ajooda.ch\/en\/#organization\"},\"articleSection\":[\"2. 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