{"id":8728,"date":"2020-04-11T23:13:37","date_gmt":"2020-04-11T21:13:37","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/extra-mandatory-extra-mandatory-benefits\/"},"modified":"2024-12-14T18:09:20","modified_gmt":"2024-12-14T17:09:20","slug":"extra-mandatory-extra-mandatory-benefits","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/extra-mandatory-extra-mandatory-benefits\/","title":{"rendered":"Extra-mandatory \/ extra-mandatory benefits"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Lesedauer<\/span> <span class=\"rt-time\"> &lt; 1<\/span> <span class=\"rt-label rt-postfix\">Minute<\/span><\/span>\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">Non-mandatory benefits &#8211; these are benefits provided by a pension fund that <strong>go beyond the statutory minimum occupational benefits<\/strong>. While the <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/compulsory\/\">mandatory benefits<\/a> include the mandatory BVG benefits, the extra-mandatory benefits are an extra.   <\/p>\n\n<!--more-->\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">But before you start celebrating, the pension fund doesn&#8217;t just do that. If it offers extra-mandatory benefits, it also charges contributions. Contributions for the extra-mandatory benefits are levied on the portion of your income that exceeds the BVG upper limit. Currently (as at 2025), this upper limit is CHF 90,720 per year. The <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/conversion-rate\/\">conversion rate<\/a> used to convert your extra-mandatory pension assets into a pension and how interest is paid on these assets is up to you.      <\/p>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">If you would like to find out more, you can <a href=\"https:\/\/www.bsv.admin.ch\/bsv\/de\/home\/glossar\/ueberobligatorium.html\" target=\"_blank\" rel=\"noopener\">find out<\/a> more from the Federal Social Insurance Office or <a href=\"https:\/\/www.smolio.ch\/de\/wissen\/detail\/vorsorgesprache-alles-was-du-dazu-wissen-musst\">read<\/a> the article on &#8220;Vorsorgesprache&#8221;.<\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3112f5f stk-block-background callout\" data-block-id=\"3112f5f\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-3112f5f{background-color:#02b875 !important;margin-bottom:40px !important}.stk-3112f5f:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3112f5f-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4a4cbd5\" data-v=\"4\" data-block-id=\"4a4cbd5\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4a4cbd5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4a4cbd5-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-fe9674b\" data-block-id=\"fe9674b\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-827\" src=\"https:\/\/www.smolio.ch\/wp-content\/uploads\/2017\/08\/Vorsorgecheck-live_Einkommensu&#x308;bersicht-niedergelassene_Smolio-Wissen.png\" width=\"800\" height=\"566\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\"><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4891e88\" data-v=\"4\" data-block-id=\"4891e88\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4891e88-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4891e88-inner-blocks\"><p data-block-type=\"core\"><div class=\"mautic-slot\" data-slot-name=\"c2a-blog-finanzdashboard\"><\/p>\n<h3>Mach den ersten Schritt zur finanziellen Unabh\u00e4ngigkeit<\/h3>\n<p> In einer Minute siehst du deine Verm\u00f6gensentwicklung und dein Einkommen w\u00e4hrend der Rente. <\/p>\n<p> <a href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener\">Rentenrechner starten<\/a> <\/p>\n<p><\/div><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Non-mandatory benefits &#8211; these are benefits provided by a pension fund that go beyond the statutory minimum occupational benefits. While the mandatory benefits include the mandatory BVG benefits, the extra-mandatory benefits are an extra.<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2409],"tags":[2511,2522],"class_list":["post-8728","post","type-post","status-publish","format-standard","category-financial-lexicon","tag-non-mandatory","tag-non-mandatory-benefits"],"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","davenport-blog-thumb":"","davenport-blog-thumb-grid":"","davenport-blog-thumb-widget":"","davenport-blog-thumb-masonry":"","woocommerce_thumbnail":"","woocommerce_single":"","woocommerce_gallery_thumbnail":""},"post_excerpt_stackable_v2":"<p>Lesedauer &lt; 1 Minute Non-mandatory benefits &#8211; these are benefits provided by a pension fund that go beyond the statutory minimum occupational benefits. While the mandatory benefits include the mandatory BVG benefits, the extra-mandatory benefits are an extra. But before you start celebrating, the pension fund doesn&#8217;t just do that. If it offers extra-mandatory benefits, it also charges contributions. Contributions for the extra-mandatory benefits are levied on the portion of your income that exceeds the BVG upper limit. Currently (as at 2025), this upper limit is CHF 90,720 per year. The conversion rate used to convert your extra-mandatory pension assets&hellip;<\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/financial-lexicon\/\" rel=\"category tag\">Financial lexicon<\/a>","author_info_v2":{"name":"Thomas","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/thomas\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8728","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=8728"}],"version-history":[{"count":2,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8728\/revisions"}],"predecessor-version":[{"id":9804,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8728\/revisions\/9804"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8728"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8728"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8728"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}