When we hear the word “wealth”, we think of high incomes, company profits, inheritances and real estate.
For most people, however, their retirement assets in their pension fund represent their largest financial asset.
Discover what you will receive as a pension later on.
How do I invest my vested benefits assets?
Many people know finpension because of its low pillar 3a fees.
Discover our own experiences and benefit from the finpension vested benefits voucher code SMLUTQ.
What happens if you leave your pension fund before retirement without a new job?
In this article, we look at everything to do with vested benefits accounts, such as opening, fees and costs, switching, closing, withdrawal in various cases and tax consequences.
Optimize your finances and have your pension under control: We show you how you can optimize and boost your pension provision and finances with life hacks.
How to make the next year a success!
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?
The 2023 key pension figures for AHV, occupational pension provision and pillar 3a determine how high your pension will be from 1st and 2nd pillar fail.
As of
January 1, 2023 there will be changes to the pension key figures for 2023.
Find out how these will affect your future pension amount and how much more you can deduct from pillar 3a from 2023.
The BVG is the Federal Law on Occupational Old Age, Survivors’ and Disability Benefit Plans. It regulates occupational pension provision (the so-called “2nd pillar”) in the Swiss pension system. The 2nd pillar is intended as a supplement to the 1st pillar and provides supplementary benefits in old age and in…
Various reforms to the Swiss pension system are underway. WTF does STAF mean? And what is in store for me with the planned AHV21 and BVG reform? How much longer will I have to work and what will happen to my pension? We provide the facts and explain what the…
Relaxing, traveling, chilling out.
3 out of 4 Swiss employees dream of taking time out.
We take a look at the financial consequences of a sabbatical for your pension provision.
Early withdrawal for home ownership (WEF) means that you use your pension assets before retirement to finance owner-occupied residential property. Dazu kannst du Mittel ganz oder teilweise auszahlen lassen oder verpfänden.
Every pension fund must always be in a position to meet its obligations to its insured members. A simple indicator shows whether it is able to do so: the coverage ratio. It shows the ratio between the assets and the obligations of a pension fund. Underfunding means that the funding…
A pension fund must be able to cover its obligations at all times. A simple key figure indicates whether it is able to do this: the coverage ratio. It shows the ratio between the value of the assets and the liabilities of a pension fund.
The mandatory benefits are minimum benefits that you receive from the 2nd pillar.
Your pension income depends on the regulations in the Swiss pension system and your own pension provision. What will change in the Swiss pension system in 2019? And how will this affect your future pension? There will be some changes from January 2019. Read on and stay on top of things.
Vested benefits are money that you are entitled to if you leave a pension fund before it pays out benefits for you. The vested benefits are also known as termination benefits or vested benefits money.
Your retirement assets in the pension fund are the largest financial asset for most of us. What actually influences how much you can accumulate? Well, how much retirement assets you can build up in your occupational pension fund essentially depends on four factors. These are
Your pension fund is probably your biggest financial asset. It provides you with an annual report in the form of a pension fund statement. Nicole doesn’t really understand her pension fund statement. Do you feel the same way? We shed some light on the subject and clarify the most important…
The latest pension fund study shows that the 2nd pillar is running out of money. The pension funds have taken measures to secure our pensions – but at a lower level. In particular, incomes over CHF 78,000 will receive less under this system. Those who earn more should make their…
Your income in retirement depends largely on the framework conditions of our social security system and your own pension provision. What will change in 2018? First things first: there are no significant changes to Swiss social insurance in 2018. The maximum amount for 2018 for payments into pillar 3a for…
As we have already written, “the more you pay into the pension fund, the more you get out”. Although your employer chooses your pension fund, you have a choice with many pension funds. You can voluntarily choose a higher savings option, make a pension fund purchase or make an early…
Low interest rates, rising life expectancy, pension reform. In Switzerland, we rely on three pillars for our pension provision. But these are currently more or less faltering. To what extent can we rely on receiving enough money in old age? Which pillar can we rely on?
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.
Sounds logical so far. Have you ever thought about not working until your mid-60s? Some people dream of retiring at 50. Others reckon with the statutory retirement age, but would still like to have the choice. Find out how early retirement works in the Swiss pension system and which considerations…
In the fall, we will be voting on the 2020 pension reform. The reduction in the conversion rate for pension funds is currently being discussed in many places. Many people are asking themselves what the reform actually means. How much could I lose? Do I have to do anything?
