{"id":8741,"date":"2020-04-12T14:11:21","date_gmt":"2020-04-12T12:11:21","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/conversion-rate\/"},"modified":"2024-12-01T11:58:03","modified_gmt":"2024-12-01T10:58:03","slug":"conversion-rate","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/conversion-rate\/","title":{"rendered":"Conversion rate"},"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\"> < 1<\/span> <span class=\"rt-label rt-postfix\">Minute<\/span><\/span>\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">The conversion rate (also UWS) is a percentage <\/span><b>percentage rate that you can use to calculate your annual lifelong pension from your retirement assets<\/b><span style=\"font-weight: 400\">.\nGenauer gesagt handelt es sich um einen Mindestumwandlungssatz.\nDieser schreibt vor, wie das <a href=\"\">Altersguthaben<\/a> bei Rentenbeginn in der obligatorischen beruflichen Vorsorge (  <\/span><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/compulsory\/\">\n  <span style=\"font-weight: 400\">obligation<\/span>\n<\/a><span style=\"font-weight: 400\">) is converted into an annuity. <\/span> <\/p>\n\n<!--more-->\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Currently (as of 2024), this is a uniform 6.8 percent for women and men. The rate has been set for years as part of planned   <\/span><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/ahv21-staf-and-bvg-reform-what-does-this-mean-for-me\/\"><span style=\"font-weight: 400\">Reforms<\/span><\/a><span style=\"font-weight: 400\">  which will have <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/occupational-pensions-higher-incomes-are-required-themselves\/\">significant consequences<\/a> for you. Let\u2019s look at this using an example. With a conversion rate of 6.8 percent, you will receive a pension of 6,800 francs (=100,000 \u00d7 0.068) per 100,000 francs of retirement assets per year for the rest of your life.  <\/span><\/p>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">In the <\/span><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/extra-mandatory-extra-mandatory-benefits\/\"><span style=\"font-weight: 400\">extra-mandatory<\/span><\/a><span style=\"font-weight: 400\"> the <\/span><a href=\"https:\/\/www.admin.ch\/opc\/de\/classified-compilation\/19820152\/index.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">law for occupational benefit plans<\/span><\/a><span style=\"font-weight: 400\">  in Art. 14 para.\n2 does not provide for a conversion rate.\nThis is why it is generally significantly lower than in the mandatory pension assets.\nMany pension funds only show an interest rate and a rate.\nThis is referred to as an enveloping conversion rate.\nBut don\u2019t worry, even then you will receive the statutory conversion rate on the mandatory portion of your assets.       <\/span><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/minimum-interest-rate\/\">\n  <span style=\"font-weight: 400\">minimum interest rate<\/span>\n<\/a><span style=\"font-weight: 400\"> and the minimum conversion rate.<\/span><\/p>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">If you would like to find out more, you can contact the<\/span> <a href=\"https:\/\/www.bsv.admin.ch\/bsv\/de\/home\/glossar\/umwandlungssatz.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Federal Social Insurance Office<\/span><\/a><span style=\"font-weight: 400\"> or read the article on the \u201c<a href=\"https:\/\/www.smolio.ch\/en\/wissen\/pension-fund-statement-pension-certificate-everything-you-need-to-know\/\">Pension discussion<\/a>\u201c.<\/span><\/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\u0308bersicht-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>The conversion rate (also UWS) is a percentage percentage rate that you can use to calculate your annual lifelong pension from your retirement assets. Genauer gesagt handelt es sich um einen Mindestumwandlungssatz. Dieser schreibt vor, wie das Altersguthaben bei Rentenbeginn in der obligatorischen beruflichen Vorsorge ( obligation ) is converted&#8230;<\/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":[2369],"class_list":{"0":"post-8741","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-financial-lexicon","7":"tag-conversion-rate"},"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 < 1 Minute The conversion rate (also UWS) is a percentage percentage rate that you can use to calculate your annual lifelong pension from your retirement assets. Genauer gesagt handelt es sich um einen Mindestumwandlungssatz. Dieser schreibt vor, wie das Altersguthaben bei Rentenbeginn in der obligatorischen beruflichen Vorsorge ( obligation ) is converted into an annuity. Currently (as of 2024), this is a uniform 6.8 percent for women and men. The rate has been set for years as part of planned Reforms which will have significant consequences for you. Let\u2019s look at this using an example. With a conversion&hellip;\n<\/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\/8741","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=8741"}],"version-history":[{"count":2,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8741\/revisions"}],"predecessor-version":[{"id":9559,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8741\/revisions\/9559"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8741"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8741"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8741"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}