{"id":8619,"date":"2022-12-04T22:22:19","date_gmt":"2022-12-04T21:22:19","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/pension-figures-2023-higher-ahv-pensions-and-more-pillar-3a-deductions\/"},"modified":"2024-09-17T08:33:08","modified_gmt":"2024-09-17T06:33:08","slug":"pension-figures-2023-higher-ahv-pensions-and-more-pillar-3a-deductions","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/pension-figures-2023-higher-ahv-pensions-and-more-pillar-3a-deductions\/","title":{"rendered":"Pension figures 2023: higher AHV pensions and more pillar 3a deductions!"},"content":{"rendered":"Lesedauer<\/span> 7<\/span> Minuten<\/span><\/span>\n

The 2023 key pension figures for AHV, occupational pension provision and pillar 3a determine how high your pension will be. 1st and 2nd pillar fail.\nAs of\nJanuary 1, 2023, there will be changes to the pension key figures for 2023.\nFind out how these will affect your future pension amount and how much more you can deduct from pillar 3a from 2023. <\/p>\n\n\n\n

Every year on January 1, 2023, there are more or less significant changes to social insurance.\nThe Federal Social Insurance Office (FSIO) makes these available in numerous documents and publications<\/a>.\nWe have sifted through them for you and reduced them to the most important changes. <\/p>\n\n

In the 1st pillar, the maximum AHV pension will increase by<\/strong>CHF 720 per year in 2023<\/strong><\/h2>\n\n

Every two years, the Federal Council reviews whether the AHV and IV pension amount needs to be adjusted due to price and wage developments.\nThis time there will be a substantial increase in the maximum AHV pension<\/a> of CHF 720 per year, which is 2.5 % more than in the previous year.\nThis was decided by<\/a> the Federal Council at its meeting on October 12, 2022.\nCompared to the last increase in 2021 of CHF 240, this is a large increase and reflects the higher inflation rates.\nThe maximum AHV pension in 2023 will therefore rise from CHF 28,680 to CHF 29,400 per year from January 1, 2023.\nIn order to receive this, you must have earned an average of at least CHF 88,200 for 44 years and\/or have received childcare credits that put you above this average. <\/p>\n\n

The minimum 2023 old-age pension will increase to CHF 1,225 per month from January 1, 2023.\nThe maximum AHV pension for 2023 with a full contribution period will also increase.\nIt now amounts to CHF 2,450 per month.\nThe maximum AHV spouse’s pension from January 1, 2023 will be CHF 3,675 (= CHF 2,450 * 1.5) due to the cap. <\/p>\n\n

But there may be more to come.\nIn addition to these adjustments, there are likely to be further increases over the course of the year.\nSeveral motions have been adopted in Parliament calling for a full inflation adjustment for AHV, IV, supplementary benefits (EL) and bridging benefits (\u00dcL).\nThese are likely to be dealt with as a matter of urgency in the 2023 spring session. <\/p>\n\n

The AHV21 reform<\/a> will enter into force on January 1, 2024.\nThis was decided by the Federal Council at its meeting on December 9, 2022.\nIn two specialist articles, we have examined what this means for your AHV pension<\/a> and what changes<\/a> it will bring to the second pillar<\/a>. <\/p>\n\n

The solidarity percentage in the AHV will be abolished from 1.1.2023<\/h3><\/div>\n\n

There’s good news for anyone with an annual income of over CHF 148,200.\nThe “solidarity percentage” of 1% to unemployment insurance on salary components over CHF 148,200 will be abolished.\nSo there will be less deduction from wages.\nUp to this upper salary limit, the contribution rate is 2.2%.\nFor employees, the employer pays half of the contribution (1.1%).\nThe reason for the abolition is a legal provision.\nThe solidarity contribution may only be levied until the equity capital of the ALV compensation fund exceeds CHF 2.5 billion at the end of the year.\nThis will be reached at the end of 2022. <\/p>\n\n

How are the contributions of self-employed and non-employed persons to the AHV developing? <\/h3><\/div>\n\n

The minimum contribution will rise from CHF 503 to CHF 514 from the start of 2023.\nYou can read more about this in the information sheet<\/a> with the changes from January 1, 2023. <\/p>\n\n

New: Adoption leave from January 1, 2023 <\/h3><\/div>\n\n

In addition, the first pillar of the social security system will be extended<\/a> to include two weeks of adoption leave.\nThis supplements the paid maternity leave (2005, 14 weeks) and the paid paternity leave (2021, 2 weeks).\nAdoption leave must be taken either on a daily (10 days) or weekly (2 weeks) basis no later than 12 months after the child is adopted.\nThe daily allowance is paid from the Income Compensation Ordinance (EO) and amounts to 80% of the average income earned before the child is taken in, up to a maximum of CHF 220 per day.\nYou reach the maximum daily allowance from a monthly income of CHF 8,250.\nWhat are the requirements for adoption leave from 2023?\nEt voila, the checklist: <\/p>\n\n