Vote yes or no to the BVG reform referendum?
On September 22, 2024, Switzerland will decide on the future of occupational pensions.
The reform will bring far-reaching changes to retirement pensions.
Find out what this means for you and your financial future.
Occupational pensions in Switzerland have long been an important topic of political debate.
In March 2023, Parliament launched a reform of the occupational pension scheme, BVG21.
It aims to close pension gaps and make the system more sustainable.
What exactly does the BVG21 reform involve and what impact will it have on you?
Two factors determine your pension amount in old age. Firstly, what changes will be made to the key pension figures in 2021 (AHV and occupational benefits). And secondly, what you do privately in your own pension provision in the third pillar 3a and 3b. Like every year, a lot will…
The coordination deduction is the part of your OASI-liable income on which you do not pay contributions to the occupational pension scheme. It amounts to ⅞ of the maximum single AHV annual pension, i.e. CHF 25,725 (as at 2024). The pension fund uses the coordination deduction to calculate your insured…
The NZZ headlines “Many Swiss have no idea about old-age provision” and SRF 10vor10 reports on a pension fund model that provides for temporary pensions – in the extra-mandatory scheme. We think it’s time to take a closer look at the pension fund. Because that’s what matters.
