Last update: 13.08.2017 11:47
After an intensive development period, we are delighted to have completed the pension check.
We hope you are pleased that you now have a clearer picture of your pension provision.
Because the referendum campaign on the 2020 pension reform is heating up.
According to a survey by Tamedia, the reform is in a “difficult position”.
Where do you stand?
The pension check will show you.
According to the survey, 54% of respondents say no or rather no to the reform, while 40% say yes.
We also asked around and looked at what the pension check shows for different groups.
And what users are now doing with the results.
Here are a few examples:
The established companies
Peter is 54 years old, he is married to Elisabeth, 49, they have two children and live in their detached house near a small town.
Peter completed a commercial apprenticeship and works in sales for a wholesaler.
Elisabeth is a teacher, she started teaching again a few years ago for a few days at the local elementary school.
Before that, she looked after the children.
Together, Peter and Elisabeth earn CHF 130,000 and support their children during their education.
They are thinking about retiring a little earlier, enjoying their house and garden and perhaps doing some traveling.
The pension check shows that you have a gap in relation to the reference of 80% of your current income.
However, they have made provisions and paid into the 3rd pillar.
They also have savings from an inheritance, which they have invested for the long term.
Peter and Elisabeth are confident that they will be able to afford their retirement as planned – and will still benefit from the reform.
The high flyers
Klara and Manuel are both in their early 30s. They recently got married and are expecting their first child.
They both work in a large company.
Klara works in controlling, Manuel in the HR department.
Together they earn CHF 210,000.
When they have a child, they will both reduce their workload to 80%.
Due to their training, they both have three years of AHV absence.
At the moment they live in an apartment in the city, but in a few years they can imagine buying a property a little further out.
They are currently investing money for this.
They are also paying into pillar 3a with the aim of using the money to buy their own home.
Klara and Manuel can also well imagine taking a longer break or reorienting themselves professionally.
Their pension situation shows that they will have a manageable gap in retirement, provided they continue to earn a similar amount.
They want to close this gap with the 3rd pillar, including real estate.
Due to their private plans, however, they want to invest more for times of lower income.
The reform worries them a little, who knows what will be left of what they pay in.
At the same time, they have confidence in the Swiss pension system and will continue to draw on all three pillars.
The newcomer
Annalena is 28 years old and is currently planning a gap year in Brazil with an organization that helps the local favelas.
She wants to reorient herself professionally.
After her bachelor’s degree, she worked in a marketing agency for 4 years and now she wants to work for a social organization.
She is not currently thinking about pensions.
She first has to find her way into the new professional world and expects to have just enough to live on for the time being as a newcomer.
It is difficult for Annalena to assess her pension situation.
She currently has 5 years of AHV absence and expects to earn CHF 60,000 to 80,000 in a new job when she returns to Switzerland.
Annalena is currently single, but would like to have children later.
With a lower income, she benefits from AV2020, but she wants to progress in her career and earn more.
And who knows, there may be other reforms before she is affected by the reform.
Annalena wants to manage her reserves better and save for later.
As she wants to live in Switzerland in the long term, she wants to start paying into the 3rd pillar as much as she can.
What thoughts did the pension check give you? Please share your comments and suggestions with us and others on LinkedIn, Xing, Facebook and Twitter.
